Motorcycle insurance is similar to auto insurance in that it provides financial coverage and protection in different situations. Our team at Strack Insurance Services is happy to explain what coverage and protection are offered by motorcycle insurance. We’re committed to educating our Arlington, TX residents.

What Does Motorcycle Insurance Cover?

Typically, a standard motorcycle insurance policy will cover medical payments, bodily injury, and property damage. Crashes and underinsured/uninsured motorists are covered as well. However, this coverage is optional. Motorcycle insurance provides protection and financial coverage for accidents, injuries, and property damage. 

How Does Property Damage Motorcycle Insurance Cover Damage to Someone else’s Property?

Property damage coverage designed to cover damage to someone else’s property falls under liability coverage. Liability property damage coverage kicks in when you are at fault for an accident that damages someone else’s property. 

Property damage incidents occur more frequently with motorcycles than with cars. This insurance will pay for repairing or replacing property damage caused by an accident where you were declared at fault. Texas requires motorcycle drivers to carry at least $25,000 in property damage liability. These funds are used to rebuild, repair, or make adjustments to damaged property. In some situations, property damage may be extensive and require total replacement. These funds are allocated for replacement as well. Of course, you can purchase more insurance if needed. However, Texas law requires motorcycle drivers to carry at least $25K in property damage liability. 

Our team at Strack Insurance Services can discuss your specific situation and come up with compatible coverage options. We understand that our Arlington, TX residents may have many questions regarding what’s covered under a motorcycle insurance policy. As a result, we’re here to answer all of your questions. Give us a call. We’re standing by.

If you love spending time on the water, you know that boating can be fun. But it’s important to be aware of the risks involved in boating and take precautions to minimize those risks. Here are five of the most significant safety risks when boating and how insurance can help protect you against them.

1. Collision With Another Vessel

When two boats collide, it’s not just a question of damage to each boat. Depending on the speed and size of the boats, people can be seriously injured or even killed. Boat insurance can help cover the cost of damages and injuries.

2. Falling Overboard

This is one of the most common risks when boating, and it can happen in several ways. Whether it’s slipping on a wet deck, being pulled overboard by a passing boat, or simply not paying attention and falling off your own boat, it’s important to be aware of the danger of falling into the water.

3. Fire

A boat fire can be caused by many things, from careless smoking to faulty wiring. A fire on board a boat can spread quickly and cause serious damage, so it’s essential to have insurance that will cover the cost of repairs.

4. Weather Conditions

Several weather-related risks come with boating, from storms and high winds to waves and lightning. And while you can’t always control the weather, you can be prepared for it by having the right insurance.

5. Equipment Failure

Whether it’s your boat’s engine quitting or your sails tearing in a storm, equipment failure can put you in a dangerous situation when you’re out on the water. And if you don’t have insurance to cover the repairs, it could be costly.

No matter how careful you are, there’s always a risk that something could go wrong when you’re boating. But if you have the right insurance in place, you can rest assured knowing that you’re covered in case of an accident or emergency. Strack Insurance Services can help you find the right boat insurance for your needs in Arlington, TX, so contact us today to get started.