The Basics of Motorcycle Insurance in Texas

Any injuries sustained on a motorcycle are potentially much more severe than inside a car. The National Highway Traffic Security Administration found motorcyclists to be 26 times more likely to be injured than a passenger in a vehicle. The most common cause of motorcycle incidents are blindsided collisions. This can potentially cause severe injuries to the driver of the motorcycle. The most common type of injuries include damages to the spine or head, both extremely critical areas of the human body.

Motorcycle insurance is separate from auto insurance. One big mistake people make is to get less coverage for their motorcycle, which can be cheaper than a vehicle. However, it is important to note that when you have motorcycle insurance, you are not only protecting your own motorcycle but also protecting yourself, other people, and other people’s property. The rate of insurance will depend on the age and history of the diver, type of motorcycle, and the actual limits of the specific policy. High value or vintage motorcycles are expected to have higher premiums. Additional features such as roadside insurance can increase the premium, but they provide excellent value for the benefits they offer.

It is vital to get yourself educated on the basics of motorcycle insurance so you can make an informed decision. You can get education and guidance through a registered local insurance agency. Rickey McGill Insurance Agency serving Arlington, TX has agents that are well-versed in the legal requirements of the state of Texas. We can guide you through the policies that are most suited to your needs, goals, and preferences. We can guide you through the process and determine the level of coverage you should get in your situation. Rickey McGill Insurance Agency is certified and has a great reputation for getting things done. You can get in touch with our team in Arlington, TX by phone, e-mail, or stop on by and give us a visit.