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Allen, TX 75013

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Let’s Talk about Motorcycle Insurance

Motorcycles are a great way of getting around in heavy traffic, but when it comes to insurance, motorcycles have the same requirements as cars in Texas (TX). Allen, TX is regularly ranked, nationally, as a great place to live for several reasons, including safety and quality of life. Bearing that in mind, contact Texas Independent Insurance to make sure you and your motorcycle are covered.

Motorcycle insurance is a type of auto insurance. In TX, in addition to being insured, motorcycles need to be registered and titled. Mopeds and motor-driven cycles similarly fall under the category of motorcycle insurance. 

Motorcycle insurance has several subcategories of coverage.

  • Collision Coverage is to cover the repair or replacement of your motorcycle as a result of an accident.
  • Comprehensive coverage is for vandalism and damage because of things like hail and fire.
  • Liability Coverage is one of the most important aspects of motorcycle insurance in TX and is subdivided into three. The accident itself, the injuries of another person, and damage sustained to property. Carefully review these amounts to ensure you have enough coverage.
  • Medical bills coverage is for injuries that you and your passengers may sustain, this can be supplemented with PIP insurance. TX requires all auto insurance policies to include PIP coverage. PIP stands for personal injury protection
  • A final important category of coverage is for if the other driver is underinsured or uninsured and you need to claim from your insurance. Like PIP, it must be included.

In the interest of safety, before you head off into the sunset with your new wheels and the engine at full throttle, make contact with Texas Independent Insurance serving the city of Allen, TX today.

Does a Motorized Bicycle Require Motorcycle Insurance?

Laws will vary from state to state, but in Allen, TX, you are required by law to carry liability insurance on a motorized bicycle.

For human-powered vehicles, it’s another matter. Your homeowner’s insurance policy will typically cover a bicycle up to a certain limit. Even if you have a whole garage full of bicycles, when you take one out, it will be covered by your off-premises policy. This means that if it’s stolen, your home insurance will cover it.

But when you add a motor to it, that’s another story. Your home insurance provider will no longer cover it. So even if it weren’t required by law, it would be a good idea to call Texas Independent Insurance about getting it protected with an insurance policy.

In many ways, buying insurance for a motorized bicycle is no different from buying insurance for a full-size motorcycle. It is technically a cycle with a motor in it, so technically, a motorcycle and your motorcycle insurance provider should have no problem writing up a policy for your ride.

This goes for both gas-powered and electric-powered bicycles. If it’s powered by something besides your own two feet, it’s technically a motorcycle and has to be insured as such. A motorized bicycle may be much lighter than a Harley, but once you put a motor in it, it can do a lot of damage, so that liability protection will be mandatory.

If you’re looking to get covered in Allen, TX, or if you have any questions, get in touch with Texas Independent Insurance and see what they can do for you.

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