Motorcycle Insurance

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Owning a motorcycle is an exciting way to travel around. It is legally required, though, that you keep your bike adequately insured. At Don McGill Insurance Group, serving Texas, we are here to help you make wise insurance choices. Keep reading to learn more about motorcycle insurance.

Is Motorcycle Insurance Required By Law?

Yes, just like all other vehicles, it is required by law that motorcycles carry insurance to be driven on the road. This law is in place to protect both the biker and other motorists and pedestrians on the road.

How Does Insurance Protect Me?

Motorcycle insurance is designed to protect the driver in two different ways. Liability insurance helps to protect you from the expenses that could occur if you are in an accident that causes damage or injuries to other vehicles or drivers. If the accident were your fault, you would be liable for the expenses. These expenses could include vehicle repair or replacement of the other vehicles involved, and they could also include medical or legal fees as well. If you do not have insurance, all of these expenses would be your responsibility out of pocket.

Another way that insurance helps is with collision coverage. This type of coverage helps pay for damage to your vehicle during an accident, a natural disaster, or loss of your bike if it is stolen. If you do not have this type of coverage, then the repairs or replacement of your vehicle will come out of your pocket. For some people, this could create a definite financial hardship.

What Are the Consequences of Being Uninsured?

If you operate a motorcycle without proper insurance, you could face getting a ticket and paying fines. If you have multiple infractions, it could affect your license.

If you would like to learn more about motorcycle insurance in Texas, please get in touch with us at Don McGill Insurance group. We will be happy to help you.