Motorcycle Insurance

Motorcycle insurance in Houston is a legal requirement and it is required throughout Texas. And just like cars and trucks, motorcycles and mopeds must carry liability insurance.

The minimum coverage requirements are also the same $30,000 for each injured person, $60,000/accident, and $25,000 for property damage/accident.

Coverage Options

We offer a rate for nearly every rider and every motorcycle, as well as a range of coverage's - from liability to comprehensive to uninsured motorist - and can quote a rate for every risk.

We offer:

  • Liability Only
  • Economy (Liability and Comprehensive/Theft)
  • Full Package (Liability, Comprehensive/Theft and Collision)

Coverage is also available for Uninsured/Underinsured Motorist, Medical Coverage, Roadside Assistance, Custom Parts and Equipment.

Special policy options are also available for Custom Bikes and Collector Bikes

Here are some general descriptions of coverage available under a Progressive motorcycle insurance policy. Please keep in mind that these descriptions do not describe all of the terms, conditions, limitations, or exclusions found in your policy, nor do they modify or change your policy. To fully understand your coverage please refer to your policy. Coverage for an accident is subject to the terms and conditions of the specific policy issued to you.

Bodily Injury and Property Damage Liability coverage

(Coverage for Injury or Damage that You Cause to Someone Else)

Bodily Injury and Property Damage Liability Coverage covers your legal liability for an accident where there is damage or injury for someone else up to the limit of liability you select. Your insurance company pays for the cost to replace or repair damaged property, the medical bills and wage loss incurred by an injured person, and other damages you are legally obligated to pay as result of an accident. Some states have special requirements for Guest Passenger Liability.

Guest Passenger Liability

Provides protection for legal liability in the event that a guest passenger is injured on the insured motorcycle.

Comprehensive & Collision (Coverage for Damage to or Theft of Your Motorcycle)

Comprehensive and Collision Coverage covers the cost to repair or replace your motorcycle if it is stolen or damaged in an accident, no matter who is at fault. You share in this cost by paying a deductible. Under Collision Coverage, your insurance company pays for damage caused when you collide with another vehicle or object. Under Comprehensive Coverage, your insurance company pays for damage caused by an event other than collision, such as fire, theft, or vandalism.

Coverage for Injuries and Damages Caused by an Uninsured or Underinsured Driver

Uninsured Motorist Bodily Injury Coverage pays for medical treatment, wage loss, and other damages you would have received from the other person's insurance company, had they been insured.

Underinsured Motorist Bodily Injury coverage is similar to Uninsured Motorist Coverage, but is designed to cover the gap between the other person's liability limits and the liability limit for

Underinsured Motorist Bodily Injury Coverage that you select.

Uninsured Motorist Property Damage Coverage covers damages to your vehicle caused by someone who does not have insurance.

Medical Payments, Expenses and/or Benefits (Coverage for Your Injuries)

Medical Payments Coverage covers the cost of necessary medical care provided to you as a result of a motorcycle accident and applies no matter who is at fault. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. In some states, this coverage only applies after other medical insurance is exhausted.

What is Custom Parts and Equipment?

When coverage is afforded under the Comprehensive and Collision portion of your policy, factory standard equipment is covered. The following is a list of items that would require you to purchase Custom Parts and Equipment coverage:

  • chrome parts
  • custom paint job
  • trailers
  • side cars
  • saddle bags
  • custom exhaust
  • headsets/intercom systems
  • any wearing apparel (note: helmets and riding apparel are covered only in the event of a collision)
  • other accessories that are not factory standard

The following items are not eligible as "add-on accessories":

  • radar detectors

Coverage Summaries

Custom Bikes

To be considered a "Custom Cycle" the motorcycle must be less than 20 years old and meet the following criteria:

  • Have more than $5,000 in custom parts or equipment or
  • Be one of the "Pre-designated" Custom Motorcycles defined below:
    • American Motorcycle Mfg.
    • American Motorcycle Works
    • Big Dog Motorcycles
    • Boss Hoss
    • Castle Engineering
    • Confederate Motorcycles
    • Daytona Pro Street
    • High Desert
    • Illusion
    • Pat Kennedy's Custom
    • Paucho
    • Steel Stallions
    • Titan Motorcycles
    • Ultra Custom Cycles

In the event of a loss, the Limit of Liability to your cycle will be the lowest of:

  • The actual cash value of the stolen or damaged property at the time of the loss, reduced by the applicable deductible shown on the Declarations page, and by its salvage value if you retain the salvage or
  • The amount necessary to repair or replace the stolen or damaged property with other property of like kind or quality, reduced by the applicable deductible shown on the Declarations page or
  • Any applicable Limit of Liability or Stated Amount Coverage elected by you, reduced by its salvage value if you retain the salvage.

Collector Bikes

To be considered a "Collector Motorcycle," the motorcycle must be at least 20 years old. In the event of a loss, the limit of Liability to your cycle will be the lowest of:

  • The amount necessary to repair or replace the stolen or damaged property with other property of like kind or quality, reduced by the applicable deductible shown on the declarations page or
  • The applicable Limit of Liability stated in the Declarations reduced by its salvage value if you retain the salvage.

Jess Akin Insurance is the best choice to find the ideal insurance to comply with Texas laws and your specific needs. We work with the state's best insurance providers and will be there for any questions you might have.

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