Motorcycle Insurance in Texas
If you plan to own a motorcycle while living in Texas, it is essential to understand the insurance you'll need to take out on it. Failure to comply with state regulations is something you will need to avoid. You have specific responsibilities you must recognize when you own and ride a motorcycle. At Planners Insurance Group in Ft. Worth, TX, we want you to understand the requirements you must comply with by law.
General Insurance Requirements
There are some general requirements everyone has to meet to be a responsible motorcycle owner in Texas. This applies whether you are obtaining your first Class M license in Texas or trading in an out of state license. You also need to show proof that within the previous two years, you have taken and passed a motorcycle safety course. The course must meet the approval of the state's Department of Motor Vehicles. Before receiving your Class M license, you must get fingerprinted and show you can pass a vision test. Anyone who is less than 18 years old must take a motorcycle road test, even if you already have a regular driver's license. Those in the 18 to 24 age range must pass the written test and complete a driver education class.
Helmet Requirements for Drivers
Whether you live in the state or you are just passing through, you must comply with the helmet requirements. Anyone less than 21 years old is required by law to wear a helmet. This applies to not only drivers but also passengers. However, in most cases, even drivers and passengers over the age of 21 have to comply with the helmet requirements. You are not required by law to wear tight clothing and eye protection, though experts recommend that you do. It is possible to get around the helmet requirement if you have passed a motorcycle safety course, but a helmet could mean the difference between life and death. You may also be given exception depending on the level of healthcare coverage you have.
Contact Insurance Professionals Today
To obtain motorcycle insurance in Fort Worth, TX, be sure to make an appointment with Planners Insurance Group. We will walk you through the process of purchasing coverage.