Texas Motorcycle Insurance Information
The value of good motorcycle insurance often doesn't
become apparent until you really need it. Whether it's a
minor fender bender or a more substantial accident, it
pays to have Texas motorcycle insurance coverage you
can count on.
Let our experienced Texas Motorcycle Insurance policy
specialist explain the different Liability limits, Collision,
Other Than Collision, Uninsured Motorist, Medical
coverages, and deductibles that are available for you to
choose from. Texans Insurance & Financial Group of
Sugar Land, TX offers affordable Texas motorcycle
insurance policies from leading insurance carriers who
offer coverage in the Lone Star State. This means
affordable, more stable premiums and none of those
15% increases after the first year.
Learn more about Texas Motorcycle Insurance
policy coverage options below!
Click on the link below to fill out a secure quote request form for a Texas
Motorcycle Insurance policy that will provide excellent motorcycle
insurance coverage at an affordable cost. Or you can speak with our
Texas Motorcycle Insurance agent specialist toll free at (800) 747-6140 to
discuss the insurance policy features in more detail.
This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage
This type of motorcycle insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an
accident caused by a driver who has insufficient auto or motorcycle insurance
coverage. The motorcycle insurance coverage typically pays the difference
between the coverage limit you select and the other driver's bodily injury coverage
limit. This is not a required Texas motorcycle insurance coverage.
Underinsured Motorist Property Damage Coverage
Protects you if your motorcycle is damaged in an accident caused by a driver who
has insufficient auto or motorcycle insurance coverage. This coverage pays the
difference between the coverage limit you select and the other driver's property
damage coverage limit. This is not a required coverage in Texas.
Texas Motorcycle Insurance FAQ
Click on the link below to fill out a secure quote request form for a Texas
Motorcycle Insurance policy that will provide excellent motorcycle insurance
coverage at an affordable cost. Or you can speak with our Texas Motorcycle
Insurance specialist toll free at (800) 747-6140 to discuss the features.
We are a Sugar Land, TX insurance agency offering affordable Texas motorcycle
insurance policy premiums in the following towns, cities and counties in southeast
Texas: Meadows, Town West, Four Corners, Crabb, Booth, Thompsons, Fresno,
Manvel, Pleak, Kendleton, Eagle Lake, Sandy Point, Beasley, Rosenberg,
Richmond, Orchard, Fulshear, Juliff, Arcola, Needville, Frydek, Rosharon, Bonney,
East Bernard, Lissie, Elm Grove, Spanish Camp, Wharton, Guy, Bellville, Wallis,
Pasadena, Deer Park, Houston, Pearland, Galena Park, Jacinto City, La Porte,
Bellaire, West University Place, Cloverleaf, Beaumont Place, Spring Valley, South
Houston, Iowa Colony, Hilshire Village, Humble, Houmont Park, Friendswood,
League City, Alvin, Mission Bend, Stafford, Missouri City, Texas City, Webster,
Dickinson, Baytown, Channelview, Highlands, Seabrook, Bacliff, La Marque, Jersey
Village, Lake Jackson, Surfside Beach, Algoa, Santa Fe, Barker, Katy, Sealy,
Dayton, Angleton, Freeport, Bammel, Kohrville, Bay City, Brenham, Addicks,
Brookshire, San Felipe, Hockley, Waller, Prairie View, New Caney, Beach City,
Nassau Bay, North Houston, Hempstead, Tomball, The Woodlands, Burr, Iago,
Boling, Peters, Cat Spring, Burleigh, Waller County, Wharton County, Brazoria
County, Harris County, and Fort Bend County, TX. We can also offer low cost
Texas motorcycle insurance policy premiums throughout the Lone Star state,
including in Beaumont, Austin, Waco, Fort Worth, Dallas, and San Antonio, TX.

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a
motorcycle insurance policy. The minimum liability insurance coverage available for
purchase in Texas is 30/60 and is explained in detail below. However, we
recommend that you choose liability insurance coverage amounts that are much
higher than the Texas coverage minimums listed below. Contact us toll free at (800)
747-6140 to discuss what liability coverage amounts you require to meet your family
or personal needs.

Texas Liability Coverage limits explanation:
30/60/25 30=$30,000 - 60=$60,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Texas Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, fence, or house, is covered through property damage motorcycle
insurance coverage. The minimum coverage amount in Texas is $25,000.
Medical Payments Coverage pays doctor, hospital and surgical bills, up to the per
person limit you select. Claims against this coverage include all reasonable
hospital, surgical, chiropractor, X-ray, dental, professional nursing, and prosthetic
expenses. It will also cover you or members of your family if you are hit by a
motorcycle when you are walking or if you are riding in another motorcycle. This
coverage will pay for your medical expenses even if you cause the accident. This
coverage protects you, your family and anyone riding on your motorcycle and
anyone driving your motorcycle with your permission.

30/60/25 30=$30,000 - 60=$60,000 - 25=$25,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
Covers damage caused to the insured motorcycle from a collision caused by a driver
of your motorcycle. The deductible is the amount you choose to pay upfront (if any)
before the motorcycle insurance policy pays. The higher the deductible you choose,
the lower the collision coverage cost within the Texas Motorcycle Insurance policy.
Texas Motorcycle Insurance FAQ
Covers damage caused to the insured's motorcycle (your motorcycle) from risks
such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before the
motorcycle insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the Texas Motorcycle Insurance policy.
Texas Motorcycle Insurance FAQ
Texas Motorcycle Insurance FAQ
Texas Motorcycle Insurance FAQ
Example of uninsured motorist limits:
Texas Motorcycle Insurance FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no auto or motorcycle liability insurance. This is not a
required coverage for Texas Motorcycle Insurance. Contact us to discuss what
uninsured coverage amounts you require to meet your family and personal needs.
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Texans Insurance
& Financial Group
101 Southwestern Blvd.
Suite 230
Sugar Land, Texas 77478
Fort Bend County, TX
Office: (281) 277-7800
Toll Free: (800) 747-6140
Fax: (281) 277-7801

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Texas Motorcycle Insurance Policy Information
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Texas Motorcycle Insurance Information
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PIP pays for medical bills, lost income, household services replacement costs and
funeral bills resulting from a motorcycle accident up to the per person limit you
select. Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It
will also cover you or members of your family if you are hit by a motorcycle when
you are walking or if you are riding on another motorcycle. This coverage will pay for
your medical and funeral expenses even if you cause the accident. This coverage
protects you, your family and anyone riding in your motorcycle and anyone driving
your motorcycle with your permission.
Texas Motorcycle Insurance FAQ
Does Wearing a Helmet Decrease My Motorcycle Insurance Premium

Wearing a motorcycle helmet reduces the cost of medical treatment, length of hospital
stay and probability of long-term disability. This was the conclusion in a recent study by
the Centers for Disease Control (CDC) pertaining to riders injured in a motorcycle
crash. The National Highway Traffic Safety Administration (NHTSA) basically agreed
with the CDC by saying that non-helmeted riders have higher health care costs as a
result of brain injuries.

Unfortunately, raising the cost of motorcycle costs for everyone is that an un-helmeted
rider is more likely to be uninsured; and only about half of injured riders carry separate
health insurance coverage.
Will Motorcycle Insurance Be Expensive

As with auto and boat insurance, what type of motorcycle you drive and how safely you
drive it are important factors that affect your Texas motorcycle insurance cost. The
most important factors in determining your policy costs are listed below.

The factors of you:
+ Your age - a young rider is more of a risk than a middle aged one
+ Your riding experience - a new rider is more at risk than a seasoned one
+ Your driving record - how many tickets
+ Your location - an urban area is more of a risk than a county or rural area.
+ Your accident record - same as above, it builds a picture of your 'risk rating'
+ Your occupation - a rock musician can be expected to have a different 'risk rating'
compared to a teacher

The factors of your motorcycle:
+ A larger 1000cc racebike replica would attract a higher risk rating than a 250cc
scooter
+ Modifications or tuning - tells the insurance company that this is not a normal
motorycle risk
+ Value - a motorcycle worth $20,000 will be more than one you bought at a yard sale
for $200
+ Age of Bike - a 10 year old standard is less risk than a new sportbike
+ Location - safer if parked at night in your garage, and therefore less risk than if it's on
the street in a downtown area