A Look at Motorcycle Insurance Coverage Options

Texas requires all motorists, including motorcyclists, to cover vehicles for $30,000 of personal injury maximum for each person per accident, $60,000 of personal injuries maximum per accident, and $25,000 of property damage maximum per accident. This means that insurance will cover up to $30,000 of medical costs for an individual in an accident, up to $60,000 of medical costs for ALL persons involved in an accident, and up to $25,000 of property damage from a single accident. The state intends these liability insurance minimums to cover the persons and property of the other vehicle in the accident, rather than your own, in an effort to reduce uninsured motorist costs. Access Insurance Services, serving San Antonio, TX, can support you with determining the minimum coverage for your area.

Other areas of coverage are as follows:

  • Collision/Comprehensive Coverage – Most banks require this if you purchased your vehicle through a loan and still owe the bank money.
  • Medical Payments Coverage – Since the liability insurance covers the other vehicle, this covers the medical and funeral costs of those in your own vehicle and any other injured persons involved in the accident, whether the accident was your fault or not.
  • Personal Injury Protection Coverage – This is similar to the Medical Payments Coverage, but includes coverage for lost income resulting from the accident.
  •  Uninsured/Underinsured Motorist Coverage – This type of insurance covers your costs if you are involved in an accident with someone who does not have insurance.

Contact Access Insurance Services, serving the San Antonio, TX area, for information on these and other add-on coverage options (such as towing or rental). Additional coverage depends on a motorist or vehicle’s needs, and Access Insurance Services is ready to guide you through this decision-making process.

The Basics of Recreational Insurance

Nowadays there are several types of recreational vehicles, ranging from converted buses to camper vans. Nobody plans or even wishes to get into accidents, but they happen anyway and without warning. Recreational insurance helps you cover most of the risks just like those covered by auto insurance, including collision, theft, and vandalism. And like auto insurance, recreational insurance is compulsory in San Antonio, TX, especially the minimum amount of liability coverage. Driving a recreational vehicle without insurance can get you into legal problems. Plus, lenders may require it before financing your vehicle.

Even if it wasn’t compulsory, recreational vehicles cost a fortune. And that’s why having them insured with Access Insurance Services is the only way to protect your investment. Due to the large sizes of these vehicles, they can cause very severe accidents that could lead to major injuries and significant property damage.

Coverage Options

There are several coverage options you can consider when taking recreational insurance depending on your needs and budget. They include liability coverage which is compulsory, collision coverage, comprehensive coverage, uninsured/underinsured coverage, road assistance coverage, and much more. Depending on the coverage options you choose, you can also include additional coverage such as vacation liability, towing coverage, personal effects coverage, emergency expenses coverage, etc.

Some of the common mistakes you can make when buying recreational insurance include thinking that your standard auto insurance is enough to cover your RV, shopping for the least prices available, or taking inadequate liability coverage. Talk to an agent at Access Insurance Services to help you understand how much coverage you need.

We provide reliable and affordable recreational insurance policies for the residents of San Antonio, TX and its environs. Talk to us today and get the right policy for your recreational vehicles or for any inquiries.