Beaumont Bikers Enhancing Protection with Motorcycle Insurance

Beaumont, TX, is a great place to be a biker. Here at JD Insurance Group, we want you to have the best ride of your life and be able to ride for many years to come without worrying about all the hassle and fuss you must go through to ride on Texas roads.

To Ride, You Must Have Insurance

In Texas, the law clearly states that motorists, including motorcyclists, must have insurance if they want to operate on the road. The basic coverage that they must have is a 30/60/25 policy. This policy represents a minimum that bikers must follow when choosing insurance plans. They must have $30,000 liability for each person, $60,000 per accident, and $25,000 for property damages. Many riders will opt to have higher coverage to give themselves more protection in the case of an accident, but it is not required.

Types of Insurance Riders Can Choose

You can consider many insurance areas when choosing an insurance plan. Each plan will have different levels of coverage as well as coverage types. Some main insurance areas to look out for include:

  • Liability: the heart of most insurance plans, including liability for property or bodily injury
  • Medical payment coverage: designed for medical expenses that occur for a driver and passengers during an accident
  • Underinsured insurance: assists drivers when another person involved in the accident does not have insurance
  • Collision coverage: a type that assists with damages resulting from collision
  • Comprehensive coverage: coverage that covers all accidents outside of collisions, such as natural disasters or vandalism
  • Personal injury protection: gives drivers coverage for bulls, medical expenses, and other financial damages that result from an accident.

Keep on Riding

For those in Beaumont, TX, JD Insurance Group wants to help bikers get the protection they need and keep riding. If you want to keep riding, reach out to our insurance agency, and we’ll be happy to help you get the right level of coverage to protect you and your motorcycle.

Navigating Beaumont’s Open Roads: Motorcycle Insurance Essentials

Finding the right motorcycle insurance policy can be challenging but when you have the help of JD Insurance Group in Beaumont, TX? The process becomes a breeze. While there are a number of misconceptions when it comes to motorcycle insurance, we are here to help our riders make sense of it all.

Let’s take a closer look at the most crucial essentials:

Choosing an Experienced Agent

When you want a motorcycle insurance policy that is specifically tailored to your personal needs, you need to make sure that you are choosing an experienced agent who has handled policies like yours in the past. Choosing an inexperienced agent is a common pitfall, and it will cause you to end up with a policy that does not come close to reflecting the true breadth of your requirements.

Know Your Coverage

There are a number of riders who will simply ask for coverage, without knowing any of the particulars. There is no such thing as a policy that provides unilateral coverage without you having to make any additional decisions. Our team of experts is more than happy to help you, but you can also help yourself by doing the necessary research before your consultation takes place.

Shop In Person or Over The Phone

Shopping online is one of the easiest ways to make a mistake. When you contact the JD Insurance Group, our experienced agents will help you to avoid these all-too-common errors. If you have any questions or concerns that cannot be addressed online, the best way to steer clear (see what we did there?) is by speaking to our team in person or over the phone.

Schedule A Consultation Today

Once you are ready to navigate the open roads of Beaumont, TX on your motorcycle, you need to make sure that you have the proper insurance coverage. Our experts are always on hand and ready to help. Call the JD Insurance Group as soon as possible so that we can offer all of the tips and pointers that you need.

What could happen if I do not have motorcycle insurance in Texas?

If you live in the Beaumont, TX area, it will always be optimal to have access to a vehicle. If you are looking for a fun and efficient way to get around the community, purchasing a motorcycle can be a good idea. If you have a motorcycle, it is very important that you have insurance for it. If you do not have motorcycle coverage, a number of negative situations could arise. 

No Ability to Repair or Replace Motorcycle

One of the negative situations that could arise if you do not have a motorcycle plan is that you will not have the ability to repair or replace the asset. If your motorcycle is stolen or involved in a collision, a comprehensive insurance plan will provide the support you need to replace or repair it. If you are not insured, you will not have this important coverage. 

Out of Compliance

If you are not properly insured with a motorcycle plan, you can also find that you will be out of compliance with your requirements. Most people that own a motorcycle will take out a loan to finance it. In these situations, the lender will require you to carry motorcycle insurance until the loan is paid off. Further, state law requires you to carry liability insurance on any type of vehicle you operate. Without this coverage, you could face penalization. 

JD Insurance Group is here to help!

If you are a motorcycle owner in the Beaumont, TX area, it is very helpful when you have the proper insurance. As you are looking for a new plan, you can call us at the JD Insurance Group. Our professionals know the value of this type of coverage and can help ensure you have the support you need to build a new plan. 

How Does Motorcycle Insurance Work?

You need to be aware of the kind of coverage that you need and how much it will cost. Basically, there are liability coverage and collision coverage. Liability coverage covers damages that are caused by the motorcycle and damages that are caused by the bike owner during an accident. 

Collision coverage covers damages that are caused by crashes or other accidents due to reasons outside your control. JD Insurance Group in Beaumont, TX is here to offer you expert insurance advice. 

Motorcycle Insurance: What You Need To Know 

To become a rider, you will need to buy the appropriate equipment and purchase a helmet. The insurance company will scrutinize your application and decide if you qualify. If you are approved for the policy and take full advantage of it, you will be better positioned when it comes time to claim your premiums. 

Different websites offer information about various insurance companies. You can talk to people who have purchased motorcycle plans to learn about the prices and terms in your area. Different companies offer different prices for their plans, and this means that some people can pay more than they anticipated. 

The best advice is to get your policy and start using it. You can get the most out of your money and your day-to-day activities with an inexpensive policy. Some policies will cover things such as repair bills, regular maintenance, and vision testing. You will also likely have a car accident insurer in your state or country of residence. 

Call Us Today

Motorcycle insurance is a contract between you and your insurer. Your insurer agrees to pay for losses that you suffer as a result of a covered loss in exchange for your promise to pay premiums. 

A contract can be created in several ways: by a written document, by spoken words, by actions that imply certain terms, and even by the silence which may be interpreted as consent. For questions and help in the greater Beaumont, TX community, visit or call JD Insurance Group.

How to Protect Your Motorcycle in Beaumont, TX

Your motorcycle is like the modern version of the Lone Ranger’s horse. It is your friend, your ride, and your companion, right? Why not return the love it shows to you by protecting it with insurance from JD Insurance Group. Covering the Beaumont, TX area, they have insurance that will cover every need you have for your motorcycle or another recreational vehicle.

Why Get Motorcycle Insurance

First of all, the rules for motorcycle insurance in Texas are the same as for cars and trucks:

  • $30,000 liability insurance for each injured person
  • $25,000 for property damage (per incident)

This basic coverage is usually denoted as "30/60/25."

So at a minimum, you need to have motorcycle insurance to cover the above mandates.

Other Coverage

Beyond that, consider how much your motorcycle would cost to replace if you had to pay out of pocket. You may also want to consider increasing the amount of coverage to include collision insurance, comprehensive, and other additional add-ons.

You never know what’s around the next curve, so it’s wise to contact an agent at JD Insurance Group to make sure you have the coverage you need in a worst-case scenario, as well as coverage for other aspects of protecting your property.

No one likes to think about a motorcycle accident. They are often severe and life-threatening. But regardless of the situation, you will ride happier knowing you have the protection you need.

Visit with the professionals at JD Insurance Group for all of your insurance needs, including your motorcycle coverage. Don’t get caught in Texas without proper coverage, which can also cost you court fines and other fees. 

Your friend takes good care of you on the road. Return the love by making sure it’s protected, too.

Contact JD Insurance Group for more information.