Ride a Harley in Texas, or want to? In the Longhorn State, it’s the law to insure your bike against liability for bodily injury and property damage. Liability coverage covers you financially if you are judged to be culpable for personal injuries or damages in an accident. While many of us don’t expect that a motorcycle can cause substantial harm, it definitely can.
Texas has policies prescribing the minimum amount of liability coverage you have to have. Oftentimes, you will see these liability minimums shown as 3 cash figures, like $25,000/$50,000/$25,000.
- $25,000: Texas bodily injury liability minimum for someone getting injured in an accident
- $50,000: Texas bodily injury liability minimum for all injuries in one accident
- $25,000: Texas property-damage liability minimum for a single accident
Addition Coverages to Consider
Liability coverage is mandatory, but there several other coverage types which come highly recommended. For instance, protection against motorists without insurance. Why? Because a substantial portion of drivers – 16% in Texas – don’t carry the minimum amount of coverage, or any insurance at all. Since automobile drivers are all too often to blame in collisions with motorcycles, it is necessary to take care of oneself money wise. Though supplementary coverage may raise your Harley-Davidson insurance prices, it will probably be well worth the added expense – especially in the event of any sort of accident.
Harleys are not cheap toys. They are a significant part of American history, and they their well-built designs and cultural cache translate to expensive MSRPs. An H-D is an investment, and as such, you may wish to protect your bike against damage sustained via collision, vandalism, weather, or non-traffic-related accident. To do, so you may want to explore a full coverage insurance policy, as liability coverage will not protect your bike in the event of an accident. Will all of the chrome that many Harleys carry, just a simple tip-over in the driveway (which just about every rider experiences at one time or another), can cost you hundreds – if not thousands – of dollars to fix…and we’re just talking about cosmetic damage!
Insuring a Highly Customized H-D
Registering and insuring a Harley-based chopper or bobber can be a challenge. If the bike sports an aftermarket frame, it might not have an MSO (Manufacturer Statement of Origin). There are plenty of other complications that can arise, from DMV inspections to missing VIN numbers. To insure such customs, speak to an agent for help or visit a specialized service such as Chopper Insurance.