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Do Texas Motorcyclists Have Insurance Requirements?

Yes. Motorcyclists in Texas are required to carry motorcycle insurance. Motorcyclists must carry the same insurance coverage as drivers of other motor vehicles. Operating a motorcycle on public roads without insurance is against the law and is punishable with fines not to exceed $350. Repeated convictions may result in additional fines and suspension of the motorcyclist’s license.

In Texas, motorcycle insurance must meet the following minimum requirements:

Liability Coverage

This coverage covers other people’s expenses for accidents caused by you and other drivers under your policy, up to your policy’s dollar limits. These expenses can include:

• Medical and funeral costs, lost wages, and compensation for pain and suffering
• Car repair or replacement costs; reimbursement for other property damage
• Auto rental while the other driver’s car is repaired
• Any punitive damages awarded by a court
• Your attorney fees if someone sues you because of the accident and your bail up to $250 if you are arrested

Texas requires the following liability coverage:

• Bodily injury liability maximum for one person injured in an accident: $25,000
• Bodily injury liability maximum for all injuries in one accident: $50,000
• Property-damage liability maximum for one accident: $10,000

On January 1, 2011 these limits will increase to $30,000/$60,000/$25,000.

Optional coverage:

Uninsured/Underinsured Insurance Coverage (UM/UIM)

This coverage is not mandatory in Texas, but it is a good idea. UM/UIM coverage will pay your expenses from an accident caused by an uninsured motorist or a motorist without enough insurance to cover your bills, up to your insurance policy’s dollar limits. This coverage also pays for accidents caused by a hit-and-run driver if the accident is promptly reported to the police.

Medical Payments Coverage and Personal Injury Protection or No-Fault Insurance

This insurance covers your own medical and funeral bills and property damage resulting from accidents, including those in which the other person is a pedestrian or bicyclist. It pays 80% of your lost income and the cost of a caregiver if the injured person needs home-based care.

In Texas, personal injury protection (PIP or no-fault) is not required.

If you are involved in a Texas motorcycle wreck and have no proof of insurance coverage, your license can be suspended. You will need to pay a fine and show proof of insurance before your motorcycle license can be reinstated.

Have you been injured in a South Texas motorcycle accident? Do you need help collecting insurance compensation for your medical costs, lost wages, pain and suffering and other damages? The Cowen Law Group fights for fair insurance coverage for victims of Brownsville motorcycle crashes. To learn more, contact the South Texas motorcycle accident attorneys at The Cowen Law Group at 877-385-1282.

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Brownsville Office
62 E. Price Road
Brownsville, Texas 78521
Phone: 956-541-4981
Toll Free: 877-385-1282
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6909 Springfield Ave., Suite 106
Laredo, Texas 78041
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Rio Grande City, Texas 78582
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