The state of Texas has straightforward laws concerning motorcycle insurance policy limits and required equipment that a driver must wear when riding around town. Coverage stipulations include mopeds, bicycles with motors, and all types of motorcycles. You should not ride around Austin, TX without understanding these facts about policy limits on bikes brought to you by Ty Lawrence Insurance Agency.
Policy Limits for Motorcycles in Austin, TX
State lawmakers are continuously making efforts to reduce the number of uninsured and underinsured motorists in Texas. As such, legislatures have established coverage amounts for bodily injury as well as property damage that drivers may use as a guide when searching for the best indemnity plan.
Coverage amounts for motorcycles are as follows:
- $60,000 for bodily injury per accident
- $25,000 for property damage per accident
- $30,000 for each person injured in a crash
Personal Gear Requirements
The state of Texas has a helmet law that requires both the driver and passenger of a motorcycle to wear protective headgear such as a helmet while riding around town. The exception to such mandate is when a person is over the age of 21-years-old and can show proof of his successful completion of an MSF basic or advanced course.
An exception to the helmet rule may also be applied when a person shows proof a healthcare plan that covers medical expenses incurred as a result of being injured while riding a motorcycle. The state of Texas does not require any other type of personal gear when riding a bike.
Understanding your rights and obligations when operating a motorcycle in Austin, TX is the first step down the road to safety. Call Ty Lawrence Insurance Agency today for a consultation on what policy may work best for your situation.