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The treatment of motorcycles, mopeds, and scooters regarding traffic laws and insurance requirements varies from state to state. Similarly, insurance companies sometimes treat these two-wheeled vehicle types differently, while others do not. As a result, vehicle owners should focus on the laws and regulations in their home state and those they visit with their vehicles and find an insurance company that works in those states. If you live in or near Magnolia, TX, and have insurance questions, contact us at the Christian Insurance Agency for assistance.
Motorcycles, Mopeds, and Scooters
States vary widely in their handling of motorcycles, mopeds, and scooters, including:
- The types of public roads each vehicle type can use
- How or if they distinguish the vehicles legally
- Whether they distinguish them based on top speed, engine size, or engine location
In addition, some states treat e-scooters as motor vehicles; others do not.
The State of Texas does not distinguish the insurance requirements for automobiles, motorcycles, scooters, or mopeds. Texas treats each as a motor vehicle that operates on public roads, so owners must carry insurance coverage with 30/60/25 minimum liability limits, meaning the policy must cover the following:
- $30,000 per injured person
- $60,000 per accident
- $25,000 property per accident
Insurance companies also differ in whether and how they distinguish the two-wheeled vehicle types. So, shop around or use an independent agent like Christian Insurance Agency to find the best coverage to meet your needs.
Also, your home or auto policy generally does not cover e-scooter rentals, so talk with your agent before renting a scooter.
Insuring Your Motorcycle with the Christian Insurance Agency
The Christian Insurance Agency serves the Magnolia, TX, area. Our team can help with your motorcycle or other insurance needs, so call (281) 789-4070 to schedule an appointment.