In Texas, motorcycle insurance is legally required before you take your bike on the road. However, choosing the right policy can be confusing. We offer motorcycle coverage at Hastings Insurance Agency LLC in Tomball, TX.
Liability Coverage
Let’s start with liability insurance. Texas requires all motorists, including motorcycle riders, to have liability coverage. This type of coverage caters to costs due to damages and injuries if you are responsible for an accident.
Collision and Comprehensive Coverage
If you have a loan for your bike, your lender will probably require you to have collision and comprehensive coverage. This policy covers the costs of replacing or repairing your motorcycle if it’s damaged or totaled.
Even if you don’t have a loan for your motorcycle, this coverage is still a wise choice. If you don’t have the money to purchase a new bike, this policy will help protect your investment.
Collision coverage will cover damages caused by an accident regardless of your fault, and comprehensive coverage takes care of incidents that don’t occur when you are on the road. For instance, if your bike is stolen, comprehensive coverage will provide the funds for a new one.
Medpay and PIP
In Texas, you can opt for Medpay or PIP coverage. PIP, also known as Personal Injury Protection, comes standard with all motorcycle policies in Texas. It covers injuries to you and any passengers if you are injured in an accident. Besides medical bills, you can also receive lost wages payments.
Medpay, on the other hand, is a similar type of coverage but doesn’t cover lost wages.
Motorcycle Coverage at Hastings Insurance Agency LLC
Do you need motorcycle coverage in Tomball, TX? Contact us at Hastings Insurance Agency LLC. We are happy to discuss your needs and help you select the right policy.