If you ride in Texas, you know that motorcycle insurance is more than just a legal requirement—it’s a financial safety net. At JD Insurance Group, serving Beaumont, TX, we understand that choosing the right coverage can be confusing, especially when deciding between comprehensive and collision coverage. So, which one is best for you?
What Does Collision Coverage Include?
Collision coverage helps pay for repairs to your motorcycle if it’s damaged in an accident, regardless of who is at fault. Whether you collide with another vehicle, hit a guardrail, or slide out on a curve, this coverage steps in to cover repair costs. If your bike is totaled, collision coverage may also help pay for its current market value.
If you frequently ride or navigate busy areas where accidents are more likely, collision coverage is worth considering. Without it, you’d be responsible for paying repair or replacement costs out of pocket.
What Does Comprehensive Coverage Include?
Comprehensive coverage protects your motorcycle from non-collision-related damage. This includes theft, vandalism, fire, severe weather, falling objects, or hitting an animal on the road. In Texas, where unpredictable weather and theft can be concerns, comprehensive coverage is a smart choice.
This type of coverage is especially valuable if your bike is parked outside regularly or if it holds significant value.
Which Coverage Should You Choose?
Many riders in Texas opt for both comprehensive and collision coverage, especially if their motorcycle is newer or financed. Together, these coverages provide robust protection on and off the road. If your bike is older or less valuable, you may find that one type of coverage is sufficient.
Unsure which option is right for you? Contact JD Insurance Group in Beaumont, TX, to speak with a local insurance agent. We’ll help you find the coverage that fits your needs and budget.