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Motorcycle Insurance: Understanding Available Coverage Options

Choosing motorcycle insurance is easier than you might think. In some cases, choosing a motorcycle insurance policy is even more straightforward than car insurance.

While motorcycle insurance policies vary, depending on the type of motorcycle you have, motorcycle insurance generally falls into two categories: on road, and off road. While not always the case, motorcycle accidents are often more serious than car accidents, which means that choosing the right policy for your needs is especially important.

If you are looking for a motorcycle insurance policy, here are some basic coverage options that are available.

Bodily Injury and Property Damage Liability
Liability coverage is an important part of motorcycle insurance, and is required in most states for motorcyclists. This covers you for an accident that you are found to be at fault for, that results in injury to others, or damage to property.

Medical coverage is important coverage that pays for your medical expenses in case of an accident, regardless of who is at fault. This covers both doctor and emergency room visits, and provides coverage up to a specific dollar amount.

Collision covers the motorcycle replacement or repairs in the event of an accident or theft. Motorcycle accidents can be devastating, often causing serious damage to the motorbike. Protecting your investment with a comprehensive level of collision coverage is important.


Differing from collision insurance, comprehensive coverage covers damages that occur to your motorcycle while it is parked; such as vandalism, or someone kicking your bike over while it is in a parking lot.

Roadside Assistance
Roadside assistance can be a lifesaver should your bike break down and you find yourself stranded alongside a road. This insurance will pay for the tow to a repair facility, and in some cases, it will even cover repairs costs.

Uninsured Motorist
This covers in the event that the other party involved in the accident is uninsured or underinsured. It covers both injuries and damages that the at-fault party is responsible for. This insurance will cover medical expenses, and lost wages.

When it comes to choosing the right insurance for your motorcycle, it’s important to ensure you have enough coverage. Coverage options vary, so make sure you know what your policy covers. Talk with your Texas motorcycle insurance specialists at Texas Insurance Agency to find out more about available motorcycle coverage options. (877) 952-1010


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