What Does Motorcycle Insurance Cover?
Texas road conditions, weather, and helmet laws make the right motorcycle policy critical. Here's what a comprehensive motorcycle policy covers.
Liability Coverage
Covers bodily injury and property damage you cause to others in an accident. Required by Texas law — minimum limits may not be enough to fully protect you.
Collision Coverage
Pays to repair or replace your motorcycle after an accident with another vehicle or object, regardless of who is at fault.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, fire, hail, flooding, or hitting an animal. Essential for protecting your investment year-round.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage — a real risk in Texas where uninsured rates are high.
Medical Payments (MedPay)
Covers your medical expenses after an accident regardless of fault. Especially important for riders since injuries tend to be more severe than in car accidents.
Accessories & Custom Parts
Standard policies may not cover aftermarket upgrades, custom paint, chrome accessories, or added equipment. This rider protects those investments.
What Texas Riders Need to Know
Texas Helmet Laws
Texas requires riders under 21 to wear a helmet. Riders 21+ may ride without one if they've completed a safety course or have insurance providing at least $10,000 in medical benefits — but a helmet is always the smartest choice.
High-Risk Season
Spring and summer (March through September) see the highest motorcycle accident rates in Texas. Increased traffic, weekend riders, and hot weather contribute to greater risk — make sure your coverage is in place before the season starts.
Lane Splitting Laws
Lane splitting is currently illegal in Texas. Riding between lanes of traffic can result in fines and could affect your insurance claim if you're involved in an accident while splitting lanes.
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