Category: Motorcycle Insurance

With the popularity of e-bikes in the San Antonio, TX, region, motorcycle insurance is evolving to accommodate the unique needs of riders of these eco-friendly vehicles. As electric vehicles become more prevalent, insurers adapt coverage options and underwriting practices to ensure adequate protection for e-bike riders.

Understanding Electric Bike Risks

Electric bikes pose distinct risks compared to traditional motorcycles, necessitating tailored insurance coverage. While e-bikes offer environmental benefits and lower operating costs, they also present unique safety considerations, including battery-related hazards, maintenance requirements, and potential theft of expensive components. 

Tailored Coverage Options

Insurers recognize electric bikes’ specialized nature and offer tailored coverage options specifically designed for e-bike riders. These options may include battery damage or failure coverage, specialized accessories, and theft protection for expensive components such as electric motors and batteries. By offering customized coverage solutions, insurers ensure that e-bike riders have access to adequate protection against the unique risks associated with electric vehicles.

Pricing and Underwriting Considerations

Insuring electric bikes involves pricing and underwriting considerations that differ from traditional motorcycles. Insurers may factor in variables such as battery type, vehicle specifications, and charging habits when determining premiums for e-bike riders. Additionally, insurers may offer incentives or discounts for riders who invest in safety features, such as anti-theft devices or electronic stability control systems, to mitigate risks associated with e-bike ownership.

Promoting Safety and Sustainability

In addition to providing insurance coverage, insurers promote safety and sustainability within the e-bike community. By offering discounts for completing safety courses, promoting eco-friendly riding practices, and advocating for infrastructure improvements to support electric vehicle use, insurers contribute to a safer and more sustainable transportation ecosystem.

Let Shavano Insurance Agency LLC Inform You

Shavano Insurance Agency LLC helps answer motorcycle insurance questions and serves the San Antonio, TX region. Call us today.

Is Motorcycle Insurance Required in Texas? Well, as a matter of fact, it is, and like all states in the country, with the exception of Florida, you must have proof of motorcycle insurance before you can even register your motorcycle to receive a license plate for it. Also, you must have motorcycle insurance to legally drive your bike on public roads in the state of Texas. Our agents at the Shavano Insurance Agency LLC serving the San Antonio, TX area are ready to assist you with all of your insurance needs, including motorcycle insurance.

Motorcycle Insurance FAQs

What Does Motorcycle Insurance Cover?

The type of motorcycle insurance policy you have will determine what is covered by your policy. Read on for more information on the coverage options that are available when it comes to motorcycle insurance.

Motorcycle Insurance Coverage Options

Liability Insurance: This is the type of insurance you must have to legally drive in Texas. It will help pay for any damage or injuries you cause in an accident.

Comprehensive Insurance: This type of insurance is very important when it comes to the investment you have made in your motorcycle. This is because it will help to replace or repair your bike if it is stolen or if it is damaged or destroyed by a natural disaster, an act of vandalism, or even a fire.

Comprehensive Insurance: This type of insurance will help pay for damages that your motorcycle sustains or causes if you collide with another vehicle or stationary object.

If you owe money to a lender for your bike, you may be required to have all of these types of insurance in place for the duration of your loan.

Call Us Today!

Call our agents at the Shavano Insurance Agency LLC serving the San Antonio, TX area today to get your motorcycle insurance policy started!

When you love to hit the open road on a motorcycle, it’s important to make sure that you are covered against many of the risks that you face as a motorcycle owner. It’s required that you have motorcycle insurance on your bike so that you, and others, are protected in case of an accident. If you are in San Antonio, TX, call us today at Shavano Insurance Agency LLC. Never go without the insurance policy you need to stay legal and protected.

Covering Your Liability

Just as with auto insurance, your motorcycle insurance policy has to have liability coverage within it. There are different kinds of coverage that are all in your motorcycle insurance, and this includes liability protection. You must by law have liability protection that covers the costs involved with accidents that are judged to be your fault. The coverage types that you need include bodily injury liability which pays for a third party’s medical bills if they have been injured in an accident. Property damage liability covers the cost of the damages to the other party’s vehicle or other property. When you have this coverage, you are less likely to be sued for damages because the policy will be there to pay for them. 

Comprehensive and Collision

When you get your motorcycle policy, you should opt to get collision coverage and comprehensive coverage. These two types protect your own vehicle against various risks and can pay to have the bike repaired or replaced if there is an accident or other incident that damages it. 

Get Your Motorcycle Coverage

When you own a motorcycle, you need to have the right policy in place to protect yourself. Call us at Shavano Insurance Agency LLC in San Antonio, TX to find out more and to get started with the right policy for you. 

When you love to hit the open road on a motorcycle, it’s important to make sure that you are covered against many of the risks that you face as a motorcycle owner. It’s required that you have motorcycle insurance on your bike so that you, and others, are protected in case of an accident. If you are in San Antonio, TX, call us today at Shavano Insurance Agency LLC. Never go without the insurance policy you need to stay legal and protected.

Covering Your Liability

Just as with auto insurance, your motorcycle insurance policy has to have liability coverage within it. There are different kinds of coverage that are all in your motorcycle insurance, and this includes liability protection. You must by law have liability protection that covers the costs involved with accidents that are judged to be your fault. The coverage types that you need include bodily injury liability which pays for a third party’s medical bills if they have been injured in an accident. Property damage liability covers the cost of the damages to the other party’s vehicle or other property. When you have this coverage, you are less likely to be sued for damages because the policy will be there to pay for them. 

Comprehensive and Collision

When you get your motorcycle policy, you should opt to get collision coverage and comprehensive coverage. These two types protect your own vehicle against various risks and can pay to have the bike repaired or replaced if there is an accident or other incident that damages it. 

Get Your Motorcycle Coverage

When you own a motorcycle, you need to have the right policy in place to protect yourself. Call us at Shavano Insurance Agency LLC in San Antonio, TX to find out more and to get started with the right policy for you. 

When you need motorcycle insurance, you’ll want to know what’s involved first. There are three basic levels from which you can choose. If you’re in the San Antonio, TX area, an agent from the Shavano Insurance Agency LLC can assist you with finding the right coverage for your needs. 

Third-Party

This is considered to be the simplest policy. The law requires you to have this as a minimum level of insurance. It covers injury, death, and loss or damage to your motorcycle by a third party. You will not have to pay for repairs as long as you have insurance. 

Third-Party with Fire & Theft 

This policy adds onto the third-party one, yet it also provides you with coverage for your motorcycle if it becomes damaged by fire or if you lose it due to theft. It’s ideal if you have to park the motorcycle somewhere that’s at high risk of being stolen. There’s always somewhat of a risk of your motorcycle catching fire, as well. Be prepared for these situations with adequate coverage. 

Comprehensive

Considered to be the most comprehensive you can get for your motorcycle, just like its name, you’ll have the highest level of coverage with this one. It includes what’s offered at the above two levels, yet you’ll also have coverage for damage, loss, and injury that arise from vandalism, natural disaster, and other insured perils. You’ll need to talk over the specifics with your agent to know for sure what they offer under this policy. 

Insurance doesn’t have to be a difficult matter. You can find just the right coverage for your situation by discussing your needs with a Shavano Insurance Agency LLC agent. We’ve served the San Antonio, TX region for years and would love to help you. 

Many motorcycle owners love taking friends and family members out on their bikes for a ride. But will your insurance policy help cover you if they are hurt? If you aren’t sure what to expect from your San Antonio, TX bike policy, we at Shavano Insurance Agency LLC can help you learn more. Doing so will help to protect you if you end up in an accident and hurt those you love while riding.

Knowing Your Coverage Options

What is interesting about motorcycle insurance is that it slightly varies from auto policies in a few ways. For instance, there is a chance that your policy may not cover people who are riding with you. That all depends on various factors and influences. Most of these influences will include things set up by your insurance provider and the state and can be quite diverse and often include things like:

• The state laws regarding insurance and what your area says about it 
• Your insurance company’s policies and range of coverage 
• Any complications with your specific policy situation 
• Limitations on your policy based on various factors 

Thankfully, many people can purchase an option called “guest passenger liability insurance” for their bikes. This policy upgrade will cover you if people are injured on your bike while you ride. Some bike policies may have this liability option already. Others may need you to add it. So make sure that you talk to your provider to learn more about your options in this unique situation.

Getting Help Today

At Shavano Insurance Agency LLC, we serve San Antonio, TX, and the surrounding area and help you understand your motorcycle insurance options. So, please don’t hesitate to reach out to us if you’re confused and need help fully understanding your coverage choices in this complex situation.

Just because there has been no reported case of theft in your area doesn’t mean that your personal belongings are safe. Your motorcycle is susceptible to theft at any time. That’s why you need to take some measures to protect yourself against theft. 

But I have a motorcycle lock; that’s all I need, you might think. The fact is, no matter how secure you think your motorcycle is, you can still lose it to theft. And that makes it crucial to have insurance coverage that protects you against theft. If your motorcycle is stolen, at least you won’t have to incur out-of-pocket expenses to replace it. 

For motorists in San Antonio, TX, liability coverage is not enough. You need to make sure your investment is covered. That’s where you need to involve Shavano Insurance Agency LLC.

How Do You Protect Your Motorcycle with Insurance?

If you want to protect your motorcycle from theft, then acquire comprehensive coverage. Apart from theft, it will cover so many losses, excluding collisions with an object or vehicle. A comprehensive policy focuses on the damage done to your vehicle from vandalism, falling objects, and more.

Is It a Legal Requirement?

In Texas, motorists are only required to have liability coverage by law. So, comprehensive coverage is optional. However, you should have it if financial safety is something you take seriously. A motorcycle is not a cheap investment that you can replace out of pocket after losing one to theft. 

What to Do If Your Motorcycle Is Stolen

Before you become a victim of motorcycle theft, make sure you have the right coverage— and that’s comprehensive coverage. If your bike is stolen, do not panic and make sure to report to the police. Then, contact your insurance company. 

Recover from Theft with Motorcycle Insurance

If you live in San Antonio, TX, and you’ve yet to purchase comprehensive motorcycle coverage, then you’re putting your investment at risk. 

Contact Shavano Insurance Agency LLC and arrange for coverage that protects your motorcycle against theft and more.