Motorcycle insurance is essential coverage for bike owners. Bike accidents can occur without warning, often leaving motorcycle owners with high out-of-pocket repair costs. Motorcycle insurance can limit these expenses following covered motorcycle accidents. Selecting the right coverage can be complicated, and the agents at Cornerstone Insurance Agency are here to help guide you through the process.
What Does Motorcycle Insurance Cover?
Motorcycle insurance varies among bike owners. Policyholders often have some of the following options in their policies:
- Liability coverage
- Comprehensive coverage
- Medical payments coverage
- Personal injury protection (PIP) coverage
- Collision coverage
- Uninsured/underinsured motorist coverage
Policies may be customized to include additional coverage options. Our agency can help you learn more about tailoring your policy to fit your desired preferences.
Do I Need Motorcycle Insurance?
In Texas, all motorcycle owners are required to carry liability insurance. The state of Texas requires your insurer to offer you PIP coverage, but you’re allowed to waive that coverage. However, you should not limit yourself to the minimum coverage requirements. If an accident occurs that isn’t covered by liability insurance, you may be faced with high repair expenses. Additionally, because motorcycles are statistically linked to higher rates of personal injury, it‘s often recommended that you financially protect yourself by carrying this coverage. The agents at Cornerstone Insurance Agency can help you learn more about coverage requirements and recommendations.
How Much Is Motorcycle Insurance?
Motorcycle insurance rates vary depending on several different factors. Your coverage provider may use your claims history, bike model, usage and driving record to determine how much to charge you for a policy. Someone who has never filed an insurance claim will likely pay less for coverage than a biker who has filed several claims.
How Do I Get Covered?
If you are a motorcycle owner near Fort Worth, Texas, the experienced agents at Cornerstone Insurance Agency are to help you learn about motorcycle insurance to assist you in deciding on coverage for you and your bike.
Contact our agency today at 817-840-9088 to request a quote on a policy.