Do You Have to Take the Course for Motorcycle Safety to get Texas Motorcycle Insurance?

Maybe you want to buy this beautiful new motorcycle available in Dripping Springs, TX but you don’t have a motorcycle license.  Will you need to take a motorcycle safety course in order to get a motorcycle insurance policy from Ty Lawrence Insurance Agency? Let’s sort out the actual facts.

The Course is Required to Get a Motorcycle License

When you register any motor vehicle in Texas, you must have a driver’s license and proper insurance. However, in order to get a motorcycle license in Texas, you are required to take the state approved Course for Motorcycle Safety.  So, in the long run, the answer to the question is yes.

Learning to Ride Before You Get Your License

If you are still under the age of 18 and have never earned your Class B license, you can take the Basic Course with only your learner’s permit. After the completion of the Course, you will be eligible to get your Class M motorcycle license, which will allow you to register and insure your motorcycle. 

Advanced Courses for Experienced Riders

If you are over the age of 18 and have a current Class B Texas license, you are eligible to take the Intermediate Course. You will bring your own bike and helmet and at the end of the course, you will be eligible for your motorcycle license. The Intermediate Course lasts one day. If you have a Class M license and simply want to improve your riding skills, there is an Advanced Course available. 

In the end, it is always a good idea to take a motorcycle safety course whenever you buy a new bike. It is required in order to get your Class M license and to register and insure your first Dripping Springs, TX cycle. Call us at Ty Lawrence Insurance Agency for a quote for motorcycle insurance today.

Myths about Umbrella Insurance

There are a number of misconceptions about umbrella insurance in Dripping Springs, TX, and believing these myths can prevent you from having extra protection.

Myth 1: Umbrella insurance is the first line of coverage.

Umbrella insurance doesn’t kick in until the other primary insurance policies are used. You aren’t able to purchase umbrella insurance through Ty Lawrence Insurance Agency unless you already have a primary policy.

Myth 2: Umbrella insurance is only for the wealthy.

Anybody can get sued in today’s society, making an umbrella policy even more important for the average individual. In fact, the wealthy may have more resources in order to fight a lawsuit, whereas someone who is struggling doesn’t. This makes having umbrella insurance even more important.

Myth 3: It’s too hard to get an umbrella policy.

This could be true if you are getting policies from different insurance companies because it could get more complicated. However, if you choose one insurance company, it will be much easier and you could save money by bundling your policies.

Myth 4:  They are too expensive.

Many times it will be cheaper to get an umbrella policy instead of raising the limits on the primary auto and home policies. You typically want to have a $1 million in liability coverage, even if you don’t have as many assets, because any future assets could be at risk.

Myth 5: There are too many exclusions.

Every policy does have its exclusions, but an umbrella policy can provide more coverage that you wouldn’t normally get with a regular home insurance policy. This extra coverage includes protection against slander and libel.

Myth 6: Other policies will provide the coverage you need.

An umbrella policy will provide an additional layer of coverage in addition to the items that aren’t typically covered under standard policies. One lawsuit could be enough to wipe out any financial standing without umbrella insurance.

Contact Ty Lawrence Insurance Agency, serving Dripping Springs, TX, to get a quote on umbrella insurance.