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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.
