How motorcycle insurance works in Texas
The State of Texas considers motorcycles the same as cars when it comes to registration, titling, and insurance requirements. So yes, by law, your motorcycle needs to be insured. The minimum liability limits are, just as for cars, $30,000 for each injured person, $60,000 per accident, and $25,000 for property damage per accident. Even if you own a chopper, a fast street bike, a “crotch rocket”, or a moped, you need to get the same coverage as for a motorcycle or car. This type of basic coverage is called 30/60/25 coverage. You don’t need an insurance for all-terrain vehicles, dirt bikes, mini-bikes, and golf carts, since these types of vehicles are not allowed to operate on public roads.
Types of motorcycle insurance that are similar to car insurance
Liability insurance (required by law) covers the costs if you cause an accident, injure someone else or damage property while riding your motorcycle.
Personal Injury Protection (PIP) covers medical expenses, lost wages and other related damages that you cause to people riding with you, or to yourself, while riding your motorcycle.
Collision insurance covers damage from a collision with another vehicle or object, no matter whose fault it was.
Comprehensive insurance covers damage on your motorcycle not caused by riding, like vandalism, fire, or theft.
Uninsured/underinsured motorist coverage pays if you’re in an accident that was caused by a driver or biker without insurance or with insufficient coverage to pay the full cost of the damage.
Types of coverage that are unique to motorcycle insurance
Guest passenger liability insurance works like PIP, to cover medical bills for people who were injured while riding with you on your motorcycle.
Accessories or added equipment coverage works in addition to comprehensive coverage, and pays the costs of motorcycle add-ons like seats, radios, and helmets, if they are damaged in an accident.
Personal item or “carried contents” coverage pays for damage to or theft of items that you’re carrying on your motorcycle, including smartphones or camping equipment.
Original equipment manufacturer (OEM) parts coverage guarantees that covered repairs to your motorcycle will use original parts.