Motorcycle Insurance

Three essentials for a carefree ride

  • A protective helmet 
  • A solid jacket and foot protection
  • A bulletproof motorcycle insurance policy for you and your passenger

Whether you’ve got the ride of your dreams or your saving up for your perfect bike, there’s only one way to enhance that feeling of leaving all of your worries behind. Owning a motorcycle can be one of the most exhilarating things in life, but according to the National Safety Council, a motorcycle accident that result in serious bodily harm happens every 6 minutes in the United States.

If you think motorcycle insurance is a “wasted” expense, think again. Insurance is more about managing your risks than anything else. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses. We are here to make sure you have the right insurance for your needs. That means we will do our best to get you the best coverage for the most reasonable price.

Motorcycle Insurance Coverage options

The state of Texas requires liability insurance for all registered vehicle operators. Liability coverage pays for others’ medical bills and property damage after a collision. All drivers must carry at least the minimum required amounts of liability insurance to avoid penalties in Texas, including operators of registered motorcycles. The minimum amounts of insurance required by a motorcyclist in Texas are:

  • Bodily injury liability insurance per person: $30,000
  • Bodily injury liability insurance per accident: $60,000
  • Property damage liability insurance: $25,000

A motorcyclist has the option of paying extra for additional types of vehicle insurance, as well. You may wish to consider more comprehensive coverage for your bike, which are typically very reasonably priced and will give you better peace of mind. 

Additional coverages include:

  • Increased liability coverage 
  • Collision 
  • Comprehensive 
  • Roadside assistance
  • Bike accessories
  • Total loss insurance
  • Rental vehicle coverage
  • Trip interruption coverage
  • On road insurance for off road vehicles

What Happens if You Get Pulled Over While Uninsured in Texas?

If a law enforcement officer pulls you over on your motorcycle while you are uninsured or underinsured, you could face a traffic ticket and a fine. The officer may also suspend your motorcycle license until you can show proof of insurance or even impound your bike. As an additional penalty, you may also be required to purchase SR-22 insurance for your motorcycle for the next few years, which is more expensive than standard insurance.

Purchasing liability insurance for your motorcycle at a bare minimum is an easy, cost-effective way of keeping you and your investment safe.

What to expect from our agency

Navigating the variety of options for your motorcycle insurance is simple with the Liberatore Insurance Group. We have teamed up with top insurance companies to bring you expert insurance advice, service, and products. Together, we’ll go over coverage options for your ride and discuss the special discounts or bundle packages you may qualify for. 

Why we're different:

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

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