Most states require residents to invest in motorcycle insurance to drive legally. However, some states allow drivers to secure alternative forms of insurance, like certificates of financial responsibility or proof of assets equal to the state’s minimum insurance coverage limits. Florida law doesn’t require motorcycle owners to invest in insurance. The Slaughter Insurance Agency is dedicated to helping drivers in Quinlan, TX, get the coverage they need.
Does the state of Texas require motorcycle owners to invest in insurance?
Yes. If you want to drive your motorcycle in Texas, you must purchase liability insurance. You must invest in liability insurance that meets the state’s minimum requirements. Liability insurance covers damage to other people’s property as well as their injuries. Liability coverage doesn’t cover any of your injuries or your property damage. Liability insurance provides medical and property damage coverage if you’re found at fault for an accident or incident. Liability coverage does not protect your injuries or damage to your bike. Texas requires all motorcycle owners to carry $30,000 in bodily injury liability coverage per person and $60,000 per accident. Motorcycle owners must also carry $25,000 in property damage liability coverage.
I only drive my motorcycle once a year. Do I still need insurance?
Yes. Regardless of the frequency, all Texas motorcycle owners must carry liability insurance. Florida doesn’t require motorcycle owners to invest in insurance. However, Texas owners must carry insurance. Also, Texas motorcycle owners must carry liability insurance that meets the state minimum requirements. Texas motorcycle owners can invest more than the state minimum requirements as needed. If you have questions regarding motorcycle insurance, call us. We’d be happy to explore your options.
