Month: August 2026

Does Umbrella Insurance Pay My Legal Fees Directly?

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Umbrella insurance is generally purchased to cover liability above and beyond what your general policy covers. So, if someone sues you after they slip and fall on your walkway, then you can file a claim under umbrella insurance if you have to argue your case in court. Here, Rickey McGill Insurance helps you understand how legal fees are covered in Arlington, TX if you need them. 

Legal Fees and Umbrella Insurance 

Umbrella insurance will cover your legal fees directly, as opposed to issuing a stock amount based on claim type. However, you’ll still need to consider the financial aspect before deciding exactly how you want to go about fighting the claim. Dragging the process out may result in a favorable outcome for you, but it can also end up eating into your umbrella insurance policy faster than you realize. 

Can I Use Any Lawyer I Want?

No, generally you’re limited by the umbrella insurance provider, though your exact circumstances may depend on where you live and what type of case it is. So, while it can be tempting to immediately research lawyers with the highest win rates, you may want to wait until you can have a conversation with your carrier or until you receive official documentation. 

At Rickey McGill Insurance Agency, our team knows how much of a lifesaver umbrella insurance can be, and not just for the most prominent business owners or community members (who are more likely to be targeted by lawsuits). If you have questions about umbrella insurance and how it can help you stave off anything from bankruptcy to reputational ruin, contact our team today for more information. The Rickey McGill Insurance Agency team serves peopke in Arlington, TX, so they can face the future with both eyes open. 

Why Casual Riders Should Not Skip Motorcycle Insurance Coverage

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By law, every motorcycle driver in Arlington, TX must carry motorcycle insurance, which our team at Rickey McGill Insurance Agency will discuss when you enroll. As a casual rider, you may think that you don’t need insurance. To you, motorcycle insurance is for people who ride their bikes often. We get this question a lot at our agency; here’s our take.

Do casual riders need motorcycle insurance?

Whether you ride your motorcycle regularly or only occasionally, all drivers must carry motorcycle insurance to ride on Texas roads. It protects against the other party’s property damage, injuries, or bike damage in an accident. You also avoid fines, penalties, and other consequences for driving without motorcycle insurance. 

However, casual riders might want protection against injuries and damages they sustain in an accident. Collision, comprehensive, PIP, and medical payments coverage are available add-ons. Collision covers bike damage in a vehicle or motorcycle accident. Comprehensive coverage focuses on non-vehicle damage to the bike. Personal injury protection (PIP) and medical payments coverage cover injuries to you and your passengers in an accident. 

Do carriers have specialty motorcycle insurance for casual riders?

There may be motorcycle insurance options specifically for casual riders. You can get insurance for one day (usually through a rental company), one month (perfect for vacations), or six months (a.k.a. seasonal motorcycle insurance). Pay-per-mile motorcycle insurance offers year-round coverage for casual riders, which is great for weekend rides or errands. The last option is to select year-round motorcycle insurance with the minimum coverage, which is a cost-saving option. 

Casual riders in Arlington, TX cannot operate a motorcycle on the road without motorcycle insurance. Luckily, our agents at Rickey McGill Insurance Agency will go through our partner carriers to find a policy that suits your riding routine. Every policy includes the minimum coverage, so you can keep policies as is, adjust the coverage and deductible, or add riders to suit your lifestyle. Contact us for more information.