Do I have to Carry Motorcycle Insurance in Texas, and if so, What is Required?

Residents who wish to operate their motorcycles in Texas are required by law to carry motorcycle insurance. Liability insurance is required by state law. Not all states require drivers to carry motorcycle insurance. However, most do. Versatile Insurance Planners of San Antonio TX are committed to educating motorcycle drivers about the state laws that govern motorcycle drivers. 

State Minimums for Motorcycle Insurance
As stated above, motorcycle insurance is a requirement for all Texas riders. Specifically, liability insurance is required to operate a motorcycle in the state of Texas. Drivers must meet the required state minimums for liability insurance in order to legally drive their motorcycles. Liability coverage requirements for the state of Texas are $30,000 bodily injury coverage per person in an accident. The property damage requirement is $25,000 per accident. 

What Happens if You Drive Without Motorcycle Insurance?
First of all, you are held financially responsible for any damage or injury to other people while driving uninsured. Plus, you forfeit the majority of any claims you could file for pain and suffering or injury. This doesn’t begin to cover any criminal charges you may sustain for injury, damage, or death to others or their property. Plus, it’s illegal to drive without liability insurance in the State of Texas. Generally speaking, you run the risk of facing several charges by not carrying the proper insurance to operate your motorcycle in the state of Texas. We take pride in creating clarity when it comes to state laws that govern motorcycle insurance. We understand that an ounce of prevention is worth a ton of cure. Our team at Versatile Insurance Planners of San Antonio, TX is committed to educating motorcycle operators on liability coverage levels necessary to legally drive a motorcycle in the state of Texas.