Texas laws require motorists to maintain financial responsibility for any accidents that happen on the road. This means motorists must have liability insurance, whether they drive a truck, a car or a motorcycle. Motorists can either purchase a motorcycle insurance policy or a vehicle liability insurance policy from state-licensed providers, such as a motorcycle accident lawyer from Texas.
How Does Motorcycle Insurance Work in Texas?
Texas laws have specific definitions for various vehicles which must be covered under liability insurance. A motorcycle, under Texas law, is a motorized vehicle with a saddle and runs on a maximum of three wheels. Their official classification is similar to passenger vehicles, with regard to registration and titling, as well as the requirements for insurance.
Insurance Requirements for Motorcycle Riders
Under Texas law, motorcycle riders must obtain liability coverage in the following minimum amounts:
- $25,000 property damage cover/accident
- $30,000 personal injury cover/injured person/accident
- $60,000 personal injury cover total/accident
Remember, these refer to the minimum insurance requirements. It is up to the rider to choose how much insurance coverage to buy. Experts recommend taking insurance coverage above the minimum, and taking more than one type of insurance coverage for comprehensive protection.
Texas has an insurance verification program that shows drivers with current motorcycle coverage. This is a database formed with the help of state insurance agencies that submit insurance information to the system via a direct electronic method. If a motorist’s motorcycle insurance lapses or gets cancelled, the program sends out a notice, so the motorist can resolve the discrepancy.
Types of Motorcycle Insurance Coverage
This type of insurance pays the other party for any property or bodily damage suffered as a result of the crash or collision. If you get in an accident, for example, this policy covers repair payments for the other car, or the hospital bills of the party who was injured.
Collision coverage pays for repairs to both automobiles, or for the damage done on any property. Collision policies often have more specific provisions covering specific areas, such as property, medical coverage, and the like.
Comprehensive coverage pays for the other areas not covered by the first two types of policies. Comprehensive coverage provides compensation for theft, for example. Other instances in which this type of coverage may come in handy include damage to the vehicle arising from natural disasters, such as floods and fires.
When to Work with a Motorcycle Accident Lawyer in Texas
If you own and ride a motorcycle, having insurance coverage should be the first thing on your list before you get back out on the road. In the event that you get in an accident, your lawyer helps you navigate the complicated steps of proving and filing a claim. Your lawyer also helps you choose what kind of motorcycle insurance coverage is best for you.