Riding a motorcycle comes with an increased risk of accidents, even if you’re not at fault. As a motorcycle owner, understanding liability insurance is essential, whether you ride for leisure, sport, or year-round. Slaughter Insurance Agency, serving Quinlan, TX, is here to help you find the right liability insurance policy to provide the protection and peace of mind you deserve.
Mandatory Coverage Requirements
In Texas, motorcycle riders are legally required to carry the following minimum coverage:
- $30,000 in bodily injury coverage per person
- $60,000 in bodily injury coverage per accident
- $25,000 in property damage coverage per incident
Additional Coverage Options
Beyond the mandatory coverage, motorcycle riders can enhance their policies with additional options for greater protection:
- Collision/Comprehensive: Protects your motorcycle from damage caused by vandalism, fire, theft, or extensive crash damage.
- Uninsured/Underinsured Motorist: Covers injuries and damages if you’re involved in an accident with a driver who lacks sufficient insurance.
- PIP/Medical Payments: Helps cover medical expenses and lost wages for you and any passengers involved in an accident.
- Multi-Policy Bundles: Bundling your motorcycle insurance with other policies can lead to significant discounts. Completing a Texas-approved safety course may also reduce your premiums.
The right motorcycle liability insurance can protect you from financial hardship after an accident or collision. Without adequate coverage, you could face serious debts and long-term consequences. To learn more about motorcycle liability insurance in Quinlan, TX, contact Slaughter Insurance Agency. Schedule your initial consultation today to find the policy that best suits your riding needs.
