Motorcycle Insurance

Motorcycle Insurance

All drivers in the state of Texas are required to provide proof of financial responsibility for any traffic accidents they may become involved in. For most drivers, meeting this requirement involves purchasing liability insurance. If you want to drive a motorcycle in Farmers Branch, Dallas, or the DFW Metroplex area, chances are you will need to buy liability insurance to ensure that you abide by the laws of Texas.

Like auto insurance, a motorcycle policy will protect your ride and your health. A large number of accidents involve motorcyclists every year because of the negligence of drivers not seeing riders on the road. A motorcycle insurance policy helps you cover these expenses in the case of an accident.

How to Establish Financial Responsibility

Undoubtedly, the vast majority of motorcycle drivers establish their financial responsibility by buying an insurance policy for motorcycles. However, this is not your sole option. Here are some of the things that Texas will accept when it comes to proving financial responsibility.

  • A deposit in securities, cashier's check, or cash made to the county judge or county comptroller.
  • A vehicle liability insurance policy from an insurance provider that is state-licensed.
  • Surety bonds filed with a county clerk. Two people must be included in the bond. Both people must have real property in the state of Texas.
  • Self-insurance certification from the TxDOT. This option is usually limited to dealers. To qualify for this option, you need to own more than 25 cars.

What Is Considered a Motorcycle?

Statutes in the state of Texas are very specific about what is considered a motorcycle. According to Texas law, a motorcycle is a motorized vehicle with no more than three wheels. A motorcycle possesses a saddle for the driver. When it comes to insurance requirements, registration, and titling, motorcycles are considered in the same category as passenger vehicles.

On the other hand, a moped is a motorized vehicle that cannot go faster than 30 miles per hour. A moped has a HP that is no greater than 2 and a CSS displacement no greater than 49.

If you're interested in purchasing motorcycle insurance, don't hesitate to contact us here at iSure Insurance Agency, which serves motorcycle drivers in Farmers Branch, Dallas, and the DFW Metroplex area. We can answer any questions or concerns you may have and are willing to work with you to develop an insurance plan that meets your needs. 

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