Do You Always Have to File for a Permit Before You Can Get Your Motorcycle Endorsement?

Avid motorcyclists who live in Austin, TX can call on Ty Lawrence Insurance Agency if they have any questions concerning what their insurance covers and what they need to do to get their actual motorcycle endorsement. Just like a young driver who is trying to get their driver’s license, many will need a permit before they can test for the motorcycle endorsement that goes on their license.

Getting Your Permit

The purpose of a permit is to allow you time to get used to your motorcycle and learn to operate it safely on the road. Applying for a permit is much like applying for your driver’s license. You must show a valid ID as well as proof of insurance. Once you’re issued a permit, you must carry it for at least six months. In order to apply for your motorcycle endorsement, your permit must still be valid.

Taking the Driving Test

If you are under the age of 18, you must have had your permit for at least six months prior to applying for your motorcycle endorsement. This doesn’t mean that everyone who is over the age of 18 must apply for a permit. If you have held a motorcycle endorsement in the past or if you’ve moved from another state, you don’t have to apply for a permit a second time.

The agents at Ty Lawrence Insurance Agency offer their services to residents who live in the Austin, TX area. Call and schedule an appointment today if you have questions about your motorcycle insurance or when you can apply for your endorsement. They have the answers you need!

 

 

Benefits of Umbrella Insurance for Personal Protection

Umbrella insurance provides an additional layer of protection, in addition to your liability coverage found in your personal homeowner’s, auto or boat insurance policy. Often, personal umbrella policies start with a minimum coverage limit of one-million dollars. These policies are designed to protect you in case you’re found legally responsible for injuries to property or persons, including non-physical injuries, such as slander or libel. Ty Lawrence Insurance Agency, which deals with people near the Austin, TX area, is able to analyze your situation and give you the advice needed to ensure you get the best possible protection at a great rate.

Protect Your Assets Against Legal Action

If you possess a lot of assets, you may be a target for lawsuits. Losing a judgment may result in special compensatory judgments for pain, loss of consortium, and suffering and punitive damages. Losing a high-value lawsuit could greatly affect your lifestyle, which is where your umbrella policy comes into play. The coverage limits, which may appear quite high, cover personal liability and pay for damage to others, helping you keep your hard-earned money in your possession.

High-Profile Image or a Change in Lifestyle

Sometimes, a lifestyle change or being a person of high-status may warrant buying an umbrella policy. Some people are often held to higher standards than others, for example, coaches, clergy, youth instructors, and counselors, and when people feel these individuals haven’t met their preconceived standards, they file a lawsuit.

Perhaps, you decide to brighten your kids’ life by installing a nice pool in the backyard. You’ve now greatly increased the risk of a lawsuit from your kids’ family members if someone gets injured in the pool. A trampoline that your kids and their friends enjoy may be a ticking time bomb in terms of a lawsuit for spinal damages if someone slips and falls.

Contact someone from Ty Lawrence Insurance Agency, which assists people in the area of Austin, TX, and finds out how an umbrella policy offers personal protection against financial ruin.