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types of motorcycle insurance

The Various Types of Motorcycle Insurance Coverage

Sep 23, 2022 | Motorcycle Accident

Many people operate a motorcycle without giving insurance much thought. However, if you are involved in an accident, you will be thankful that you have coverage. Unfortunately, not all policies are created equal, and it is important to understand the differences before signing on the dotted line. Here is a rundown of the most common types of motorcycle insurance coverage.

Liability Coverage

Liability insurance is the minimum amount of coverage required by law in most states. It covers damage that you cause to other people or property while operating your motorcycle. If you are found to be at fault for an accident, this type of insurance will pay for the other party’s medical bills, lost wages, and property damage up to the limits of your policy. It will not, however, pay for any damage to your own motorcycle or injuries that you sustain.

Collision Coverage

Collision coverage is optional in most states but is highly recommended. It pays for repairs to your own motorcycle regardless of who is at fault in an accident. This type of coverage can be especially helpful if you have a newer motorcycle or if you are still making payments on your bike.

Comprehensive Coverage

Comprehensive coverage also pays for repairs to your own motorcycle but covers a wider range of perils than collision coverage. In addition to damage caused by accidents, it also covers damage caused by weather events, theft, vandalism, and glass breakage. Like collision coverage, comprehensive coverage is optional in most states but is highly recommended if you want full protection for your bike.

Uninsured/Underinsured Motorist Coverage

This type of coverage protects you if you are injured in an accident caused by a driver who does not have insurance or does not have enough insurance to cover your damages. It can also provide protection if you are the victim of a hit-and-run driver. Uninsured/underinsured motorist coverage is required in some states but is optional in others. Even if it is not required, it is still a good idea to have this type of coverage in case of an accident with an uninsured driver.

Medical Payments Coverage

Medical payments coverage pays for your own medical bills after an accident regardless of who is at fault. It can also cover expenses such as funeral costs and rehabilitation services. Medical payments coverage is optional in most states but can provide valuable protection if you are seriously injured in an accident.

As you can see, there are many different types of motorcycle insurance available to protect riders from different types of risks. Some types of coverage are required by law while others are optional but highly recommended. Be sure to speak with your insurance agent about which types of coverage are right for you before purchasing a policy.

Not sure about your legal options? Our team can listen to your story and let you know what your options may be. There’s no cost to speak with us, and we’re available 24/7.


For more information, contact Houston’s accident law firm of Walker Texas Lawyer by calling (713) 552-1117.

Walker Texas Lawyer
3100 Timmons Ln Suite #401
Houston, TX 77027



Areas We Serve

Walker Texas Lawyer is located in Houston, just off the southwest freeway near the corner of Edloe St and West Alabama St. We serve clients throughout Texas. Injured in a car accident, motorcycle accident, offshore accident, or industrial accident? We can help you get the compensation you deserve. The following are some areas we serve:

Alvin, Atascocita, Baytown, Bellaire, Braeswood Place, Channelview, Conroe, Deer Park, Dickenson, Friendswood, Fulshear, Galveston, Hempstead, Houston, Humble, Hyde Park, Jacinto City, Jersey Village, Katy, Lake Jackson, La Marque, La Porte, League City, Meyerland, Mission Bend, Missouri City, Montrose, Pasadena, Pearland, Rice Military, Richmond, River Oaks, Rosenberg, Santa Fe, Seabrook, Splendora, Spring, South Houston, Southside Place, Sugar Land,  Texas City, The Woodlands, Tomball, University Place

About Walker Texas Lawyer

James Walker - Walker Texas Lawyer James Walker is a Personal Injury Attorney in Houston, Texas. He has over 40 years of legal experience and has helped over 25,000 clients. This means he has demonstrated his extensive knowledge of legal procedures. He knows how to handle insurance companies. If insurance companies refuse to give you a fair shake, they will take the insurance companies to court. He knows the law inside and out. He knows what he’s doing.

Walker will try to settle your case without going to court. But if that doesn’t work, he is ready and prepared to take your case before a judge. He is Houston’s Personal Injury Lawyer for a reason; he will fight for you, seek the maximum compensation on your behalf, and make sure you get what you deserve after an accident.