In today’s post, we answer one of the most common questions about motorcycle insurance. Does motorcycle insurance cover theft? Keep reading to discover the answer and learn other useful facts.
A Word About Motorcycle Insurance
Before we answer the question “Does motorcycle insurance cover theft,” we need to take a look at the insurance requirements for motorcycles in Texas as well as the different components of a motorcycle insurance policy.
Just like cars, motorcycles in Texas must have at least 30/60/25 coverage.
This means that Texas law requires bikers to have at least $30,000 for each injured person up to a total of $60,000 per accident and $25,000 for property damage per accident.
As you can see, the minimum law-mandated coverage is liability coverage. This means that this type of insurance helps pay for the damage you cause, not for the damages you may suffer.
The good news is that you can always purchase insurance with more extensive coverage and higher limits — In fact, doing so is always a smart choice.
Does Motorcycle Insurance Cover Theft?
When you purchase motorcycle insurance, you can choose to have other coverages in addition to those mandated by law. Among these coverages, the two most common are collision and comprehensive coverage.
- Collision coverage. Helps pay for damage to your motorcycle caused by a collision with another vehicle.
- Comprehensive coverage. Steps in to help cover damage to your motorcycle caused by an incident other than a collision (for example, theft, fire, or vandalism).
So, in short, your motorcycle insurance can cover theft as long as you have comprehensive coverage in place.
A good rule of thumb is to always take the time to read your policy carefully to find out what’s covered and what’s not.
To learn more about motorcycle insurance in Texas, contact the experts at BZ Bee Insurance. We’ll be happy to answer all your questions and help you build a policy that works for you.
Need Motorcycle Insurance in Houston, Texas? Contact BZ Bee!
If what you need is personalized motorcycle insurance at affordable rates, look no further than BZ Bee insurance.
We are located in Houston, Texas, and serve clients all over the Lone Star state. To get a free quote, just contact us by email (ayalamariaeugenia@yahoo.com) or telephone (832-729-8114), or fill out the contact form on this website.
