Safely operating a motorcycle and securing proper insurance are essential aspects of owning a bike. The experienced team at Raymond Longoria Insurance in Mission, Texas, can help you get the coverage you need. Contact us today for more information.
Motorcycle Safety Tips
As a motorcycle operator, taking appropriate precautions can help you and others stay safe on the road. Some tips include the following:
· Check your bike’s brakes and lights to ensure they are functioning properly.
· Ensure there are no oil, gas or other fluid leaks, and check the tire pressure and treads. Make repairs as needed and take your bike into a certified mechanic if necessary.
· If you carry extra cargo, balance it appropriately and ensure your bike is calibrated to handle the extra weight.
· Attend motorcycle training courses and obtain proper licensing.
· Always wear a helmet and other protective clothing/gear.
· Do not operate a motorcycle while impaired or intoxicated.
· Follow posted speed limits and other traffic regulations.
· Be alert for potholes and bumps in the road.
· Make yourself visible to other cars and vehicles while riding.
· Only ride when the conditions are safe.
· Avoid tailing cars and swerving in between lanes.
· Keep a safe distance between other vehicles and motorcycles.
This list is not all-inclusive and other safe-riding techniques could help you reduce accidents. Make sure to adhere to the rules of the road and exercise caution while riding.
Another crucial aspect of motorcycle ownership is securing the proper insurance. Many states, including Texas, require it, and even if it isn’t mandated, it can provide essential coverage, including the following:
· Liability coverage
· Collision coverage
· Comprehensive coverage
· Medical payments coverage
· Personal injury protection (PIP) coverage
· Uninsured/underinsured motorist coverage
· Optional equipment coverage
Our agents can help you get motorcycle insurance that suits your needs. Reach out to us for more information.
How Much Motorcycle Insurance Do I Need?
Texas requires all motorcycle operators to carry a minimum amount of liability coverage in the following amounts:
· $30,000 for each injured person
· $60,000 per accident
· $25,000 for property damage per accident
These amounts are also called 30/60/25 coverage and are subject to change. Motorcyclists should consider carrying more than the minimum amount to ensure they have adequate coverage to help pay for expenses if an accident occurs. Different states may also have different laws.
Additionally, in Texas, insurers must offer PIP, but policyholders can opt out. However, motor operators should consider adding it to their portfolio as it can help pay for medical expenses for riders and their passengers after accidents and may also help pay for the resulting lost income. Work with your agent to help ensure you are securing appropriate coverage.
If you are a motorcyclist in Rio Grande Valley, Texas, contact the professionals at Raymond Longoria Insurance for more information on insurance and to get started with a quote.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.