Motorcycle Insurance in McAllen, TX

All motorcycle riders in Texas must carry at least the minimum liability insurance or face legal and economic consequences. Verax Insurance Services can help you secure motorcycle insurance and comply with this requirement.

What Does Motorcycle Insurance Cover?

Motorcycle insurance may cover financial losses after an accident, theft or damage involving your bike. Policies are often customized to meet riders’ unique needs. Your insurance agent may advise you to include the following coverages in your policy:

Liability coverage may compensate for bodily injury or property damage you cause to others.
Collision coverage may pay for your bike’s repair or replacement costs after a crash.
Comprehensive coverage may help cover fire, theft and other damage resulting from non-collision events.
Uninsured/underinsured motorist coverage may pay for injuries or damage if you’re hit by someone who lacks adequate liability coverage.
Medical payments coverage may help cover minor medical expenses after an accident.

Keep in mind that some types of coverage may be optional depending on your location and needs. Always review your policy closely to understand its scope and any limitations.

What Endorsements Can I Add to My Policy?

Endorsements, also known as add-ons or riders, can enhance your coverage and help fill gaps in a standard policy. Common motorcycle insurance endorsements include:

Roadside assistance coverage may provide towing, battery jump-starts, fuel delivery and other services if your bike breaks down.
Trip interruption coverage may help cover lodging, meals and transportation if your motorcycle breaks down far from home.
Accessory coverage may cover custom parts, chrome kits, saddlebags and other upgrades not included in a standard policy.

How Do I File a Motorcycle Insurance Claim?

After an accident or covered event, contact your insurance company as soon as possible. Share details about the incident, including photos, witness contact information and a police report if applicable. The insurer will guide you through the process, which may involve an adjuster reviewing the damage before approving repairs or reimbursement.

Contact Us

Explore motorcycle insurance options with Verax Insurance Services. Our agents can help you find the appropriate policy. Contact us today to get started.