The Critical Need for UM/UIM Insurance for Motorcyclists in Texas

Reg Reinoso

Author

Riding a motorcycle on Texas roads brings a sense of freedom and excitement, but it also exposes riders to significant risks, especially from uninsured or underinsured drivers. Given the vulnerability of motorcyclists compared to enclosed vehicle drivers, the stakes are even higher when involved in accidents. Understanding and obtaining adequate Uninsured/Underinsured Motorist (UM/UIM) insurance is crucial for motorcyclists to protect themselves financially against the unpredictable nature of road accidents.

Recent statistics are sobering: nearly 600 motorcyclists were killed in crashes in Texas last year, and more than 2,400 riders suffered serious injuries, according to the Texas Department of Transportation. These numbers not only highlight the inherent dangers of motorcycle riding but also underscore the importance of being prepared for anything that can happen on the road. This preparation includes guarding against the financial impact of accidents, particularly those caused by drivers who are uninsured or lack adequate coverage.

In Texas, a startling 20% of all state-registered vehicles are uninsured, as reported by the Texas Department of Motor Vehicles. This translates to more than 2.6 million vehicles. For motorcyclists, who are more exposed and susceptible to severe injuries in collisions, an encounter with an uninsured driver can be financially devastating.

Why UM/UIM Insurance Matters More for Motorcyclists

UM/UIM coverage is a safeguard that compensates for medical bills, lost wages, and other damages when the at-fault driver is uninsured or underinsured. Although Texas law mandates that insurance companies offer UM/UIM coverage, it is optional for policyholders. However, given the high risk of significant injuries in motorcycle accidents, opting out of this coverage can result in enormous financial and personal strain.

Under Section 1952.101(b) of the Texas Insurance Code, insurers must include UM/UIM coverage in every policy issued, unless explicitly rejected in writing by the policyholder. While some may choose to decline this coverage to lower premium costs, doing so leaves a motorcyclist vulnerable to huge out-of-pocket expenses in the unfortunate event of an accident.

Choosing to include UM/UIM coverage in your motorcycle insurance policy provides a critical financial safety net. This coverage is particularly vital for motorcyclists due to the higher likelihood of severe injuries in crashes, which can lead to substantial medical costs and lengthy recovery periods. The cost of UM/UIM insurance is generally low compared to the potential financial burden of an accident with an underinsured driver. 

For motorcyclists in Texas, where the thrill of the ride comes with increased risks, UM/UIM insurance is not just an optional add-on: it’s an essential part of your insurance portfolio. Ensuring that you are covered can mean the difference between a managed recovery and financial catastrophe that could affect your entire family. 

As you navigate Texas roads, make sure your insurance coverage includes UM/UIM to protect against the uncertainties posed by other drivers, ensuring peace of mind and securing your financial future. Motorcyclists should review their insurance policies and consider their current UM/UIM coverage. If uncertain about the adequacy of your coverage, consult with an insurance expert or a legal professional who specializes in motorcycle accidents to ensure you are fully protected on the road.

This information is for informational purposes only and is not a substitute for legal advice.