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Motorcycle Insurance

Gulf Coast Educators Insurance Services of Texas wants you to know how insurance can make life better for you. As a subsidiary of Credit Union Financial Group (CUFG), we know how important it is to protect your investments. Your motorcycle qualifies as an investment. You need to protect it just as you would an automobile.

Motorcycle Insurance Legal Requirements

In the US, every state except Hawaii requires you to purchase motorcycle insurance. Every state gets to decide how much coverage and what type it wants to require. In Texas, you must purchase a motorcycle insurance policy that provides liability and property damage coverage. You must purchase the at least the state minimums of:

  • $60,000 bodily injury coverage total per accident,
  • $25,000 property damage coverage per accident,
  • $30,000 bodily injury coverage for each injured person in an accident.

What Texas Considers a Motorcycle

Perhaps you wonder if your ride qualifies as a motorcycle. Texas defined that in a statute, too. You will need insurance for any motorized vehicle with a rider saddle (seat) that operates on two or three wheels that is not a tractor or moped. A motorcycle operates at speeds faster than 30 mph and has an engine of at least five horsepower and at least 50 CCs displacement.

Better Than the Minimum Insurance

While the state requires that you purchase the minimum liability and property insurance, in order to protect your investment, you need comprehensive and collision, too. The state minimum coverage only repairs the other individual’s damaged vehicle or pays their medical bills. If you were found at fault in an accident, but only carried insurance meeting the state minimums, you would need to pay out of pocket for all the repairs to your cycle, plus your own hospital bills. Talk to your representative at Gulf Coast Educators Insurance Services of Texas today about motorcycle insurance. We want to help you protect your investment.

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