In Allen, TX, the lovely weather offers an opportunity to ride year-round, whether you love off-roading on a dirt bike or road-tripping on a street bike. Although both motorcycle types require minimum state legal coverage, they diverge after that. In this blog from Texas Independent Insurance, we’ll explain the top coverage needs for each bike type.
Insuring a Street Legal Motorbike
Texas requires all motorcycles and trikes operating on its roads to carry liability insurance consisting of bodily injury, death, and property damage coverage. This insurance pays the person or persons harmed in an accident you cause for their medical bills and repairs to their vehicle.
You might elect to purchase other coverage, including roadside assistance, collision, and comprehensive coverage. Roadside assistance sends a mechanic or tow truck to your location if you run out of gas, your bike breaks down, or your bike experiences a flat tire. This service also provides a locksmith if you lose your motorcycle keys. Collision pays for repairs to your motorcycle if you damage it in an accident, including single-vehicle accidents. Comprehensive coverage pays if your bike gets stolen or incurs damage.
Insuring a Dirt Bike
Because you tow a dirt bike to the off-road location of your ride, you probably won’t need roadside assistance coverage. If you own a crossover bike that can be a dirt bike and legally be ridden on state roads, you must insure the bike with the state minimum liability coverage. Because dirt bikes are a favorite target for theft, we encourage their owners to purchase comprehensive coverage. Collision coverage pays for damage to your bike even from a single-vehicle accident, meaning if you wipe out on your dirt bike and it gets damaged, your insurance pays for the repairs. You can even include an add-on or insurance rider called OEM parts coverage, so your insurance pays for manufacturer parts when you have them repaired.
Contact Us Today
Contact Texas Independent Insurance today for an insurance review or to purchase a new motorcycle insurance policy. However you ride in and around Allen, TX, protect your finances with the right coverage for your motorbike.
