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#3 Your Insurance: 3 Questions To Ask Your Agent Today

Most riders are underinsured. You won’t know until you need it. Ask these three questions before you ride again.

QUESTION 1: DO I HAVE UM/UIM COVERAGE — AND WHAT ARE MY LIMITS?

UM/UIM stands for Uninsured/Underinsured Motorist coverage. It pays YOU when the driver who hits you has no insurance or not enough insurance to cover your injuries.

  • Roughly 14–20% of Texas drivers have zero insurance
  • The Texas minimum ($30,000 per person) is gone after one surgery
  • UM/UIM covers your medical bills, lost wages, and pain and suffering
  • Texas insurers MUST offer it — but they don’t fight hard to make sure you understand what you’re declining
  • A motorcycle accident lawyer from Road Justice can review your policy to confirm whether you have UM/UIM coverage and whether your limits are actually enough to protect you after a crash.
Right Answer: UM/UIM limits that match or exceed your liability coverage. If you carry 100/300, carry 100/300 UM/UIM.

QUESTION 2: DO I HAVE PIP — AND HOW MUCH?

PIP (Personal Injury Protection) is no-fault coverage that pays your medical bills (100%) and lost wages (80%) immediately after any crash — no waiting for fault to be determined.

  • Texas requires insurers to offer it — if you didn’t sign a written rejection, you may already have it
  • The minimum offered is $2,500 — one ambulance ride will exceed that
Right Answer: At least $10,000 in PIP. The cost difference from $2,500 is a few dollars per month.

QUESTION 3: ARE MY CUSTOM PARTS AND ACCESSORIES COVERED?

Standard motorcycle policies cover factory equipment only. Aftermarket exhaust, custom paint, accessories, modifications — these are typically not covered unless you have a specific endorsement.

Right Answer: “Yes, with a custom parts endorsement” and a limit that reflects what your modifications are actually worth.

THE ONE CALL THAT COULD SAVE EVERYTHING

Call your agent today. Ask all three questions. Ask for the answers in writing. If you declined UM/UIM, ask to see the signed rejection form — if they can’t produce it, you may already have it.

Contact a skilled motorcycle accident lawyer in Texas — even if you never hire us.