Do You Need Motorcycle Insurance In Texas
The motorcycle insurance requirements in texas are pretty straightforward.
Do you need motorcycle insurance in texas. An interesting loophole involving texas motorcycle insurance is that proof of financial responsibility can actually trump the state s regular insurance requirements. Yes financial reposibility laws require all operators of a motor vehicle in texas to carry the minimum liability requirements. 30 000 bodily injury liability coverage for injuries to one person in an accident 60 000 bodily injury liability coverage for total injuries in an accident. 60 000 bodily injury coverage total per accident.
Sure that seems like a lot considering that this is the same coverage minimums required for car insurance but let s not forget that you are riding a motorcycle. Motorcycle insurance in texas covers every part of your bike from the engine to the body. You may not think insurance is necessary for your motorcycle but you must purchase a policy that will cover you and your bike in texas. The state of texas requires all drivers including motorcyclists to prove financial responsibility for any accidents they may cause.
In a nutshell you must have insurance that will cover 30 000 per person injured in an accident 60 000 per accident itself and 25 000 for damage to property. You have to have insurance if you re operating a motorcycle or any other moving vehicle. Texas has requirements just like any other state for motorcycle drivers in terms of their insurance policies requirements. Your motorcycle coverage provider will send you an official insurance card which is accepted by all dps locations.
The coverage you go for will help you keep the bike running and you will be protected in the event of a crash. The only exceptions are for moped class motorized bicycles. Do motorcycles need to be insured. So if you want to drive in this state you must have a motorcycle insurance policy that includes liability coverage in at least the following amounts.
The consequences of riding uninsured can result in varying penalties such as fines and license suspension. Yes motorcycle insurance is required and you must show proof of insurance prior to registering your motorcycle. Is motorcycle insurance required in texas. In an effort to decrease the number of uninsured texas drivers state lawmakers have set required minimum amounts of liability insurance.
Motorcycle insurance is required in texas for all riders. This is not only meant to be used in the aftermath of an accident but also if law enforcement pulls you over while driving. While liability insurance covers you from a legal standpoint it s best to take out additional coverage to protect yourself your passenger and your motorcycle itself.
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