Applying for insurance through Presley Insurance Group for the first time or purchasing a new motorcycle, you’ll automatically receive a quote for full coverage. In this blog, we’ll demystify which coverage kinds you must legally maintain due to state laws and which you can opt to keep or drop. We’ll also explain each type of coverage so you can make an informed decision before hitting the Dallas, TX roads.
Understanding Your Texas Insurance Quote
When you request a motorcycle insurance quote from our agency or any other in Texas, you’ll find it includes diverse types of insurance coverage. If you’re new to motorcycle insurance and riding, you might have anticipated seeing a single, consolidated cost on the quote. However, that’s not how vehicular insurance operates. Your insurance quote will itemize the following insurance coverages and their individual costs:
- Bodily injury liability
- Property damage liability
- Collision coverage
- Comprehensive coverage
- Uninsured/Under-insured motorist (UM/UIM) coverage
- Medical payments or personal injury protection coverage
- Roadside assistance.
While accepting all these coverages is not mandatory, being on Texas roads requires buying a policy that meets the state’s minimum standards.
Legally Required Coverage
In Texas, street bike and crossover motorcycle riders must secure minimum liability insurance coverage of:
- $30,000 in bodily injury and death coverage per person
- $60,000 in bodily injury and death coverage per accident
- $25,000 in property damage coverage per accident.
If you own a dirt bike, you’re not obligated to meet these basic coverage requirements since you cannot operate it on Texas roads and can only ride it on dirt trails. While you aren’t mandated to purchase the 30/60/25 coverage, you might want to secure collision and comprehensive coverage for your dirt bike. This buffers against damage to your motorbike even in single-vehicle accidents, and if your bike gets stolen, a replacement is ensured.
Get in touch Today
Contact Presley Insurance Group today to review your motorcycle insurance or a new policy. We’ll assist you in crafting a custom policy that shields you, whether on or off Dallas, TX roads.
