Gearing Up for Fall: Motorcycle Insurance Checklist for Texas Riders 

Fall is often a popular time to ride, but changing weather and increased deer activity can affect your plans. Before your next trip, review your motorcycle insurance coverage with this seasonal checklist from Foley Insurance Agency.

Inspect Your Gear and Your Bike

Start the season by checking your gear. Reduced daylight can affect visibility, so verify that your lights and signals are working. Tire tread may also need attention, as fallen leaves and autumn rain can make Texas roads slick. Inspect your helmet and protective gear for any wear before your next ride.

Review Your Liability Coverage

Riders must carry a minimum amount of liability insurance, which can help pay for bodily injury or property damage caused to others in an accident. State minimums may not be enough to cover your personal assets after a serious collision. Reviewing your limits can help you find coverage that matches your needs.

Consider Comprehensive and Collision Insurance

Wildlife tends to be more active during the fall, which can increase the chances of an unexpected encounter on the road. Comprehensive insurance may cover noncollision events such as animal strikes or storm damage to your bike. Collision coverage can help pay for repairs after an accident, regardless of who is at fault.

Evaluate Uninsured/Underinsured Motorist Coverage

Not all drivers carry sufficient insurance, which can leave you covering costs on your own after a collision. Uninsured/underinsured motorist (UM/UIM) coverage may help pay for medical bills and bike repairs in those situations. Exploring this option can help you find coverage that accounts for other drivers on the road.

Secure a Policy Today

Contact Foley Insurance Agency to discuss your motorcycle insurance needs and get a free personalized 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.