If you’re a San Antonio, TX motorcycle owner, one of the critical factors you’ll consider when shopping around for insurance is whether to take out liability-only coverage or opt for full coverage.

At Access Insurance Services, we’d be happy to walk you through your choices. In the meantime, here are a few things to consider.

Am I Legally Required to Carry Motorcycle Insurance?

If you’re a motorcycle rider in Texas, you are required by law to carry a motorcycle insurance policy. However, this doesn’t necessarily mean you should settle for the most minimal coverage possible.

Accidents and other mishaps happen even to careful people. Without a decent policy in place, an accident can be devastating on many levels, including financially.

Liability Only vs. Full Coverage: What’s the Actual Difference?

Liability-only coverage is exactly what it sounds like – insurance that will amply protect you from any liabilities you could face because of an accident, but that’s it. In other words, it’s minimal when it comes to coverage.

On the other hand, full-coverage motorcycle insurance protects you from liability and much more. Examples may include (but not be limited to) theft, damage resulting from acts of nature, collision damage, fire, and vandalism.  

Which Is Best for You?

Although minimal liability-only coverage is enough to keep you legally compliant if you’re a motorcycle owner, you never know what life might throw at you or your bike.

More coverage will always be a smarter bet than very little. Full coverage is generally the best, most comprehensive choice. But there are many tiers to explore between the lowest amount of coverage and the highest.

Contact a representative from Access Insurance Services in San Antonio, TX today for more information. We’ll be happy to help you make sense of your options.