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1220 N. Alma Dr Suite 100
Allen, TX 75013

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Why do people need to have motorcycle insurance?

Owning a motorcycle in Allen, TX can be a good option for many people. If you do purchase one here, you need to carry motorcycle insurance at all times.

There are various reasons why this coverage is considered a necessity:

Reduce Risks

One of the primary reasons to get an insurance plan for your motorcycle is to reduce your risks of ownership. There are always going to be risks that come with owning and operating a motorcycle and a motorcycle insurance plan can mitigate many of them. With a motorcycle insurance plan, you will be able to offset your liability risks that can come with causing an accident. It also can be used to offset the risks associated with your motorcycle being damaged in an accident or stolen as you can receive support to replace the asset. 

Owners Often Have Requirements for Coverage

It also would be a good option to get a motorcycle insurance plan as it could be a requirement. Most people that own a motorcycle are also going to be required to carry motorcycle insurance. If you have taken out a loan when you bought the motorcycle, you will likely need to carry a policy to comply with any lender standards. In Texas, motorcycle operators are required to carry liability insurance if they want to drive it on a public road. With a proper motorcycle insurance plan, you can stay in good standing with such requirements. 

Give Us A Call

Having motorcycle insurance is a necessity if you want to own or purchase a motorcycle in the Allen, TX area. Once you are ready to start looking for coverage, it would be a good idea to call Texas Independent Insurance. The team with Texas Independent Insurance will give guidance that can help you build your next policy to protect your motorcycle. 

Add On Coverage Options That Motorcycle Riders In Texas Should Consider

Texas Independent Insurance assists the Allen, TX community. We proudly serve as an independent agency. We offer our clients multiple types of policies so that they can protect their assets. We work closely with multiple carriers throughout the state. This allows us to provide flexible coverage options.

Add On Coverage Options Motorcycle Riders Should Consider

Motorcycle riding is a popular hobby throughout Texas. If you own a motorcycle, insurance provides a safety net as you ride throughout the state and beyond. The policy covers any damage to your motorcycle as a result of a collision. Liability coverage protects you if your motorcycle accidentally damages someone’s property or injures them. Liability coverage also covers your passenger’s medical treatment if they are injured while riding with you. You can also opt for comprehensive coverage, which covers your motorcycle if it is stolen or damaged due to a natural disaster moving through the area. Motorcycle insurance policies are versatile, which gives you the opportunity to add special types of coverage.

Custom Parts Coverage

If you plan to modify your motorcycle, you can add custom parts coverage. Custom parts coverage ensures that the enhancements to your motorcycle are covered if you are a victim of theft or involved in an accident. You can add custom parts coverage to your moped or classic motorcycle as well.

Roadside Assistance

Perhaps you are planning to travel out of Allen, TX on your motorcycle. If your motorcycle breaks down, roadside assistance will ensure that you receive urgent service. This gives you peace of mind during an emergency situation.

Storage Coverage

During lengthy periods where you don’t plan to ride your motorcycle, storage coverage protects your motorcycle while you have it parked. The policy is a safety net if a hurricane moves through the area and damages the storage facility.  

Texas Independent Insurance Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.

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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