Motorcycle Insurance in Texas
Though nobody likes spending their hard earned money on motorcycle insurance, it is mandatory to get liability coverage for your motorbike in Texas. As a motorcycle driver, you are required by law to prove your financial responsibility in case you are involved in a motorbike accident.
Motorcycle insurance requirements in Texas
If you opt to purchase a motorcycle cover, your liability policy must have these minimal amounts:
- $25,000 coverage for property damage per accident
- $60,000 coverage for bodily injury per accident
- $30,000 coverage for bodily injury for every injured person in one accident
These are just the minimal amounts, so, you may have to buy more coverage especially if your motorcycle is worth a lot of money. A reliable insurer in Amarillo, TX like Lone Star Insurance Specialist will design a suitable coverage depending on your specific rates.
What will happen if you don't have the minimum insurance cover?
You may face severe fines and penalties if you're caught without the minimum motorcycle insurance. This may include license suspension, motorcycle impoundment, and fines.
Department of Transportation employees usually verify insurance through an online insurance authentication program designed by Texas lawmakers -it's known as TexaSure. This is where your insurance provider submits your insurance information once you get your motorcycle insurance coverage. In case your insurance policy lapses; you will receive a notice from the department of transportation in Texas informing you of your options.
If you get a suspension notice, you are allowed to appeal. Your license can be suspended if you don't have the minimum liability coverage. However, the suspension can be lifted when you offer proof of your current liability insurance plan and settle the reinstatement fees.
A motorcycle insurance policy will protect you and other road users. Be sure to contact Lone Star Insurance Specialist in Amarillo, TX if you need motorcycle coverage.