Recommended Additional Insurance Coverage for Texas Motorcycle Riders

By John Fabry

Although drivers in Texas are required to have insurance to cover the harms they might cause to others, many ignore the law and drive without insurance. The current minimum limit of required coverage in Texas is $30,000 per person, which can be completely inadequate. As we know, motorcycle riders are more exposed to injuries in a collision. We have seen medical bills in the hundreds of thousands of dollars after a serious motorcycle wreck. Consequently, we recommend that you talk to your insurance agent about some additional types of coverage available in Texas.

Personal Injury Protection (PIP) Coverage

Personal Injury Protection Coverage in Texas, generally referred to as PIP, can pay your medical bills and a portion of lost income, as well as the cost of hiring somebody to help care for you while you recover. PIP coverage pays even if you caused or contributed to the wreck. This is important because, even if the other driver has insurance coverage, the insurance company may delay or refuse to pay if the driver denies responsibility for the wreck. In Texas, insurance companies are required by law to offer you PIP coverage when selling you a policy. Unlike many other types of coverage for medical payments and lost income, you do not have to pay back PIP payments if you eventually recover something from the other driver.

Uninsured/Underinsured Motorist (UM/UIM) Coverage

UM/UIM coverage pays for medical bills, lost wages, pain and suffering, disfigurement and permanent or partial disability from a  wreck when the other driver who caused it has either no insurance or inadequate insurance to pay for all of your harms and losses. UM/UIM coverage comes with policy limits, which you must agree to when purchasing the policy. UM/UIM coverage can also pay for the expenses resulting from a hit-and-run incident.

No motorcyclist wants to think about crashing or being hit by another driver. However, if you are ever unfortunate enough to be involved in a wreck with one of the many uninsured or underinsured drivers on the roads in Texas, you will be glad you have these additional types of coverage.

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