I only drive my motorcycle once a year. Do I still need insurance?

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.

Is Motorcycle Insurance Required in Texas?

Our agents at the Slaughter Insurance Agency serving the Quinlan, TX area want you to be able to fully enjoy every ride you take on your motorcycle. This is the reason they want you to have a proper motorcycle insurance policy in place so you can relax with your knees in the breeze.

Is Motorcycle Insurance Required in Texas?

Yes, motorcycle insurance is required in the state of Texas. All riders must have at least a minimum amount of liability insurance to cover any property damage or injuries they cause in an accident. Also, motorcyclists under the age of 21 are required to wear helmets when riding.

Other Motorcycle Insurance Options 

There are several other types of motorcycle insurance options. Listed below are the main ones.

Comprehensive Insurance 

You worked hard to purchase your motorcycle, and comprehensive insurance is designed to protect your investment. It will help you repair or replace your bike if it falls victim to a fire, an act of vandalism, a natural disaster, or theft.

Collision Insurance 

This type of insurance will help you fix your motorcycle if it is damaged in a collision with another vehicle or an object.

Uninsured/Underinsured Motorist Coverage

If you are involved in a crash with a driver who is uninsured or does not have an adequate amount of insurance to cover your medical bills or damage to your bike, this type of insurance will come in handy. It is better to be safe than sorry!

Consult With Us

To create the best motorcycle insurance policy for your beloved bike, contact our experienced agents at the Slaughter Insurance Agency serving the Quinlan, TX area today!

Does motorcycle insurance offer hospitalization coverage?

If you own a motorcycle, it’s essential to understand the types of coverage motorcycle insurance offers. Although this insurance is similar to auto insurance, it isn’t the same. If you want to learn more about motorcycle insurance, our team of experts at Slaughter Insurance Agency can assist you. We help the Quinlan, TX area residents get coverage that protects them from risks. 

Motorcycle Coverage

If you have a motorcycle, you need specific insurance designed for this purpose. If you have standard motorcycle insurance, it generally doesn’t cover hospital expenses for you if you cause an accident. However, you may add some additional coverage to your policy to provide more coverage in the event you’re injured. Always be sure you know what a policy does and doesn’t cover. 

Our team of insurance professionals can help you assess your current needs and recommend policies that meet those needs. If you require additional medical payments, they can advise you on the right path to ensure your needs are met and you get the coverage you want. 

Not only can we help you shop for a policy, but we can also help you with any changes or claims submissions during the policy’s lifetime. Our goal is to provide each customer with outstanding support and insurance services. 

Reach Out Today

If you want to learn more about motorcycle insurance or any other insurance products and services we offer, please call or stop by Slaughter Insurance Agency today. We are proud to help the residents of Quinlan, TX and surrounding areas in getting the policy options and protection they need to have peace of mind on and off the road. 

What is the benefit of a motorcycle insurance policy?

If you reside in the Quinlan, TX area, you will likely know that it is important that you have a reliable mode of transportation. When you are looking for a fun way to get around the community, having a motorcycle can be a good option. With a motorcycle, you will have an efficient and reliable asset that also needs insurance.

There are various benefits that come with a motorcycle insurance plan:

Coverage for Motorcycle

A reason that anyone in this part of Texas will want to have a motorcycle plan is so they can properly protect this asset. A motorcycle can take a big purchase and investment to acquire and care for. A great way that this asset and investment can be covered is by getting motorcycle insurance. With this coverage, you will have the support you need if it is damaged in an accident or stolen. 

Meet Requirements

You also will want to have a motorcycle plan so you can meet the requirements set for motorists. If you want to ride a motorcycle in Texas, you will be required to carry at least a liability insurance plan. If you do not have this level of coverage, you will be in violation of state law and can face repercussions. 

Get Motorcycle Insurance Today

When you are in the Quinlan, TX area, it would be wise to get a motorcycle insurance plan if you own one of these vehicles. While there are a lot of advantages that come with this coverage, it can be complicated to select a new plan. When you are shopping for a plan here, it would be good to call the team from the Slaughter Insurance Agency. With so many choices to consider when looking for an insurance plan, having Slaughter Insurance Agency help will always be advantageous. 

Three Instances When You Should Update Your Life Insurance Policy

Once you have purchased a life insurance policy, it will remain active for years, as long as you pay your premiums. Most residents of Quinlan, TX don’t often give their life insurance policies a second thought other than paying their monthly premiums. However, it is important that this coverage is reviewed occasionally, as modifications may be necessary over the years as circumstances in your life change. To help you better understand, here is a look at three instances that warrant an update to your life insurance policy and a quick call to Slaughter Insurance Agency.

Marital Status Change

When you get married, you may be interested in designating your new spouse as the beneficiary of your life insurance policy. However, when you get divorced, you will probably want to remove your ex-spouse and ensure your children or another family member will receive those funds in the event of your death.

Increase in Significant Debt

Your policy should be evaluated any time a change in your debt occurs. For instance, if you finance a new vehicle, purchase a home, or even take out a loan, you will want to sit down and take a look at your life insurance. You want to ensure that your existing coverage will offer enough for your family to pay off any debt that you have incurred if you were to pass away unexpectedly. If not, reach out to an agent at Slaughter Insurance Agent about purchasing more coverage.

Job Change

If you change jobs, you will be making more or less than you were at your previous job. In either case, your new salary may not be compatible with your existing life insurance coverage. By reviewing your current policy, you can ensure that you have sufficient coverage to match your job. In some cases, you may have the option of an employer-sponsored policy. If this is the case, you may still need to obtain a supplemental life insurance policy to properly protect your family.

If your life circumstances have changed and you believe you need additional life insurance coverage, reach out to the agents at Slaughter Insurance Agency. Serving the residents of Quinlan, TX, we will work with you to find a policy that meets your individual needs.