Required by Texas law. Liability coverage pays for injuries and property damage you cause to others in an accident. Texas minimums are 30/60/25 — $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. These minimums are often insufficient; we recommend higher limits like 100/300/100.

Collision covers damage to your motorcycle from a collision with another vehicle or object — regardless of fault. Comprehensive covers non‑collision damage: theft, vandalism, fire, hail, flooding, and falling objects. These are optional but highly recommended, especially if your bike is financed or has significant value.

Protects you if you're hit by a driver with no insurance or insufficient coverage to pay for your injuries. With approximately 14% of Texas drivers uninsured, this coverage is critical for motorcyclists, who are more vulnerable to injury. It's also required by Texas law unless you specifically reject it in writing.

Covers medical expenses for you and your passengers after an accident — regardless of who is at fault. Covers ambulance, hospital, and doctor visits. Texas is not a no‑fault state, but MedPay provides quick access to funds for immediate care without waiting for a liability determination. This is especially important for motorcyclists, given the higher injury risk.

Standard policies may limit coverage for custom parts, aftermarket accessories, and safety gear. This endorsement provides additional coverage for helmets, riding gear, custom paint, chrome, saddlebags, and other modifications. We recommend this for any bike with significant customization.

Roadside assistance covers towing, flat tire repair, jump‑starts, and lockout services. Trip interruption covers meals, lodging, and transportation if your bike breaks down more than 100 miles from home. These affordable add‑ons provide peace of mind for long rides.

Frisco's booming population (200,000+) means more cars on the road — and more distracted drivers. The Dallas North Tollway, Preston Road, and Eldorado Parkway are high‑traffic corridors where riders face increased risk. Rear‑end collisions, left‑turn accidents, and lane‑change incidents are common. Defensive riding is essential, but insurance coverage is your safety net.

North Texas weather can change rapidly. Heavy rain reduces visibility and traction, increasing the risk of hydroplaning. Winter freezes create black ice on bridges and overpasses. Hail can damage your bike and cause hazardous riding conditions. Comprehensive coverage protects against hail, flood, and falling object damage — crucial for riders who ride year‑round.

Texas has a significant uninsured driver problem — about 14% of drivers are uninsured. If you're hit by an uninsured driver, uninsured/underinsured motorist coverage pays for your injuries and property damage. For motorcyclists, who are at higher risk of serious injury, this coverage is essential.