No one expects to be injured in a motorcycle accident Texas, but dangerous wrecks happen all the time. In over 96 percent of all crashes, the rider involved sustains some sort of injury. Many of these injuries are serious or even life threatening in nature.
For health and property reasons alone, motorcycle insurance is a must for all riders. However, if you or a family member has ever tried to actually purchase motorcycle insurance, you know that the process can be dizzying.
The important thing you have to remember when buying motorcycle insurance is that not all policies are alike. Your task is to find the one that works best for your needs.
Just like everything else, you get what you pay for when it comes to motorcycle insurance. Don’t just buy the cheapest policy you can find – you may end up regretting it later.
There are numerous personal factors that help determine your insurance quote. These can include your age, where you live, your driving history, past claims, value of your motorcycle and your gender and marital status.
Another factor is the type of coverage you want. Everyone is required to carry coverage that protects them against injuries and others against injuries and property damage. But you can also choose to add coverage that protects your own property in a wreck, depending on the value of your bike.
You can also choose to carry uninsured or underinsured motorist coverage, which protects you if you are in a wreck with an uninsured person who does not have the money to cover your costs. These choices, along with the amount of your deductible, will combine to determine the price of your policy.
If you or a loved one has sustained a Houston motorcycle injury in a wreck with a negligent driver, and you want to know what is and is not covered under insurance, call us at (877) 307-9500. We may be able to help you file a personal injury claim and recover the financial compensation you deserve.
You can also download our FREE Houston motorcycle accident book for more information about your legal rights.