What kind of motorcycle insurance is required in Austin?

Austin, TX – All motorists need some kind of protection from insurance if they want to drive legally. However, insurance requirements can be different for motorcycles versus cars or commercial vehicles. Each person who plans on riding a motorcycle in the state of Texas should make sure that they have the right insurance to remain compliant with the local laws, otherwise they can receive citations or face other serious consequences for violating the insurance laws. Here are a few important points regarding the motorcycle insurance requirements for riders in the Austin area and the possibility of getting into an accident. 

Laws for liability coverage

Like standard automobiles, motorcycle operators must have at least basic liability coverage to pay for any damage that they cause if they are ever involved in an accident. All insurance providers will issue policies that can cover a total of $60,000 worth of injury or fatality costs per accident, $30,000 for injury or death costs for an individual, and up to $25,000 that can pay for property damage. Those who have certain kinds of all terrain vehicles or dirt bikes should check if they can be used on public roads or not, as many of these vehicles are not street legal and subject to these insurance requirements. 

Additional kinds of coverage 

If a motorcycle rider wants to pay for insurance to cover collision damage to their own vehicle, or other types of losses such as theft or vandalism, they can purchase these types of coverage from an insurance company. However, these other types of coverage are not necessary under state law. The individual motorcyclist can evaluate their risk and the costs of this kind of coverage to decide if the financial investment is necessary. 

Is a lawsuit necessary after an accident or can the person just file an insurance claim?

The consequences of a motorcycle accident can vary greatly depending on things like who was responsible, how much the insurance company is willing to pay out through a settlement, and how badly the people involved were injured. Whether a lawsuit is necessary will depend on those variables. For these reasons, it is important for anyone who has been injured to get legal advice and decide what is best in their situation. 

Legal advice following a motorcycle accident

Robson Law Firm is a law practice that works with accident victims in the Austin, Texas area. Those who have been injured during a motor vehicle collision can speak with their attorneys for advice. 

USAttorneys.com is available to help people who are looking for lawyers in their area. Anyone who needs assistance with their search for a licensed attorney can call 800-672-3103 for a referral. 

Firm contact info:

Robson Law Firm

1114 Lost Creek Blvd., Suite 440, Austin TX 78746



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