For motorcyle enthusiasts being responsible and being safe is just as important as a helmet and riding leathers -- including having motorcycle insurance.

If the unexpected happens, insurance gives you peace of mind in knowing you are protected.

For motorcylists in Texas, insurance is now more affordable than ever before.  In Texas there is no single statewide policy that offers “blanket protection” against all possible perils, so it is best to work with an agency like Ben Goodwyn Insurance Agency who can help you determine the level and types of coverage you will need based on when and where you operate your bike.

Ben Goodwyn Insurance Agency can provide you with any number of specific coverage options that your agent can help you choose to best insure your bike, your finances, and your physical well being including:

• Collision Coverage: Collision coverage is essential for every Texas motorcycle owner as it covers repair and replacement costs for the bike if damaged or destroyed in a collision.
• Comprehensive Coverage: Many times incidents occur that don't involve collision with other vehicles; fire, theft, malicious mischief or storm damage are just a few perils.
• Basic Liability Coverage: Even the most cautious biker can be the cause of an accident. Normally, this also protects you from having to pay damages that are ruled your legal obligation, provided these costs do not exceed policy limits.
• Uninsured /Underinsured Motorist Coverage: This form of motorcycle insurance protects Texas bikers from those with no insurance or inadequate policy limits.
• Passenger Liability Coverage: Texas motorcycle insurance requirements call for separate liability coverage for passengers on the insured owner’s bike. Even if you don't normally have a second rider, you should carry this coverage in case you have a guest on your bike. If the unfortunate happens, you could be held liable for your passenger’s injuries.  This coverage will cover the medical cost of your passenger’s bodily injuries within the policy’s limits.
• Medical Payments Coverage: Even if you're not at fault in a accident and are seriously insured, the other party involved in the accident may have a policy limit far below your medical costs.