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What Type of Motorcycle Insurance Do You Need?

Houston motorcycle insurance agents note that many motorcycle riders don’t purchase the amount of coverage they need to protect themselves should they have an accident. Many motorcycle owners quote a motorcycle insurance policy like they would an automobile insurance policy, but there are many differences. Below are a few things to keep in mind when purchasing insurance for your bike.

Bodily Injury Coverage

Just because you have passed a motorcycle license test and you have taken the motorcycle safety course required by law, doesn't mean that you won’t be involved in an accident. It is important to keep in mind when thinking about your bodily injury coverage, that even the smallest of motorcycle mishaps can result in serious physical injury to your body. That is why it is important to get enough bodily injury coverage to protect you in case you are involved in a severe accident. The typical five to ten thousand dollars in coverage is most likely not enough for a motorcycle rider.

Accessory Coverage

When trying to find an insurance agent in Houston, Texas it is important to ask them about special coverage for your motorcycle’s accessories. This type of insurance is great for people who like to make additions to their bikes. While your basic policy will cover any damage done to the stock parts on the bike, accessory insurance will cover anything you added after you purchased the bike.  

Collision Insurance

DMV insurance requirements only require that a motorcycle owner purchase liability insurance to cover any damage or injury done to another person in the event of an accident. However, unless your bike is a hunk from yesteryear with little value, it is important to cover your bike with collision insurance just like you would cover your automobile. The rule of thumb is to purchase motorcycle coverage insurance in an amount large enough to repair or replace the bike should you have a serious wreck.
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Uninsured Motorist Insurance

While we all like to believe we live in a world where everyone follows the rules, the truth is, there are millions of drivers on the road today without proper auto or motorcycle insurance. This means that law abiding citizens like yourself, need to protect yourselves with uninsured motorist insurance. This insurance kicks in when you have an accident that wasn't your fault, but the other driver doesn't have insurance or it will also take effect if you are involved in a hit and run accident.    

Bike owners who want to learn more about what they should and shouldn't be covered for, should check with a local Houston motorcycle insurance broker. These brokers are trained to help you get all the coverage you need to rebuild and rebound as fast as possible after an accident. They will also make sure that you don’t get suckered into buying insurance that you don’t need.

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