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Coppell, TX 75019

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Texas Insurance Blog

Three Great Reasons to Consider a Motorcycle Safety Course

Thrilling yet perilous, motorcycle riding promises an adrenaline rush, particularly for novice riders. Premier motorcycle insurance from David King Insurance Services LLC in Coppell, TX is your safety net in the event of an accident. New riders or those returning to riding after a hiatus should also consider a safety course to brush up on their riding skills. In this blog, we outline three compelling reasons for undertaking a motorcycle safety course before hitting the road.

A Legal Necessity

The state of Texas mandates that new riders aged 18 and above complete an MSF Basic Rider Course as a prerequisite for obtaining a motorcycle license. This requirement extends to riders with expired licenses. Riders migrating from other states are exempt from this requirement.

Fosters Safety and Defensive Riding Proficiency

Motorcycle safety courses navigate a broad spectrum of topics beneficial for novice riders. You can acquire knowledge on safety protocols, defensive riding skills, navigation techniques, and preventive riding strategies to safeguard against road accidents. Under controlled environments, you will learn to deftly handle your bike under challenging conditions such as slippery terrains and navigating safely through congested areas. Furthermore, riders will be briefed on motorcycle traffic laws in Texas to enhance roadway safety.

Avail Insurance Discounts

Successful completion of a motorcycle safety course may qualify you for a reduction in your insurance premiums. This is particularly advantageous for new motorcycle riders who incur higher insurance costs. You can save money by undertaking a safety course while becoming a more proficient and secure rider.

Discover more about motorbike safety advantages at David King Insurance Services LLC in Coppell, TX.

Taking Charge After A Motorcycle Accident

Motorcycle insurance coverage provides protection if you are involved in an accident. Use the following guidelines to report an accident and file an insurance claim.

Police Report

The accident needs to be documented. The local police need to be contacted. They will fill out paperwork that will serve as a record of the accident. This paperwork can be used to substantiate your insurance claim.

Reach Out To Your Insurance Agent

You should contact an insurance agent next. One of our agents at David King Insurance Services LLC, serving the greater Coppell, TX community, will ask you some questions about what occurred. We will outline the steps that will need to be taken to properly file your insurance claim.

Claims Paperwork

The agent who consults with you may request that you fill out some paperwork. You will be provided with a date and time to meet with the agent.

The paperwork will serve as proof of the motorcycle accident. These documents will be reviewed during the claims process.

Insurance Adjuster

An insurance adjuster will be assigned to review your case. They will inspect your motorcycle for signs of damage. The adjuster will fill out a report that contains information about their inspection. 

Followup Steps

You should stay in contact with your insurance agency throughout the claims process. Our Coppell, TX agents are trained to assist their clients with any questions or concerns they have about an insurance claim.

Consult With Us

Now that you have some basic information about the claims process, you may feel more confident about what to do if you are involved in an accident. For more information, reach out to us at David King Insurance Services LLC.

Add-Ons for Your Motorcycle Coverage

As a motorcyclist in the Coppell, TX, area, you know it is essential to ensure your bike is adequately insured. While basic coverage is a great start, you may consider adding extra insurance protection for yourself and your motorcycle. Here are some of the most critical policies from David King Insurance Services LLC you should consider.

Add-Ons for Your Motorcycle Coverage

Roadside Assistance Add-On 

Breakdowns are often inconvenient and expensive. Adding roadside assistance coverage to your motorcycle policy is a great idea. This add-on coverage will help pay for services like flat tire changes, jumpstarts, fuel delivery, and tow services—all of which could happen while riding a bike. 

Custom Parts & Equipment Coverage Add-On 

If you’ve invested money into customizing your ride, you may consider getting an add-on specifically designed for custom parts and equipment coverage. This type of add-on helps cover extra costs associated with replacing or repairing any custom bike parts damaged or stolen during an accident or other incident. 

Uninsured/Underinsured Motorist Protection Add-On  

Ensuring uninsured/underinsured motorist protection is essential for motorcycles and all vehicles. In case someone without insurance causes an accident involving your bike in the Coppell TX, area, this add-on covers damages up to the limits set by the policyholder on their policy. 

Additions like these might not be required by law, but they are recommended if you’re looking for additional protection while on the road.

Contact Us Today

No matter what kind of motorcycle you own and ride around Coppell, TX, having the correct type of insurance coverage will give you peace of mind knowing that your bike is protected no matter what happens down the line. To ensure you get all the necessary protections and learn more about the various add-ons our David King Insurance Services LLC representatives can help you with!

Do you need to have motorcycle insurance in Texas?

Being a motorcycle owner is a good idea for a lot of people in the Coppell, TX area. When you are a motorcycle owner in this part of Texas, it will provide you with a fun and efficient way to get around the town. The warm weather for most of the year also makes it a practical transportation option.

If you want to buy a motorcycle, you also need to get insurance as it is required and necessary for various reasons:

State Law

An important reason to have motorcycle insurance is to ensure you are in compliance with the law in Texas. If you want to use any type of vehicle in this state, you will need to have liability insurance. This coverage will provide support if you have caused an accident. If you are caught operating a motorcycle without a proper motorcycle insurance plan, you can be penalized. 

Cover Your Motorcycle

It is also a good idea to have a motorcycle insurance plan to ensure your motorcycle is covered. Buying a motorcycle will always come with a big investment and is something that you want to ensure you can use for a long time. If you continue to maintain a motorcycle plan, it will provide all of the support that you need to replace or repair the asset if you incur a loss from theft or damage. 

Contact Us Today

If you are in the Coppell, TX area, you will want to know that your motorcycle is appropriately insured at all times. A great company to call when you are looking for motorcycle insurance plans is David King Insurance Services LLC. There are a lot of important choices to make when you are looking for coverage and David King Insurance Services LLC can help you evaluate a plan that meets your needs. 

Motorcycle Insurance Myths To Watch Out For

David King Insurance Services LLC serves the Coppell, TX community.  For over 15 years, we have helped local residents find coverage. We provide flexible policy options to help our clients stay covered in any situation. We recognize that you’ve worked hard to acquire your assets. That’s why we are committed to helping you obtain the coverage you need.

Motorcycle Insurance Myths To Watch Out For

The Coppell, TX community is home to many motorcycle enthusiasts. If you own a motorcycle, motorcycle insurance helps you protect this unique asset. Operating a motorcycle is a high-risk endeavor. Obtaining a strong insurance policy gives you a safety net. You are covered in the event that your motorcycle collides with an object. If you lose control of your motorcycle and accidentally injure someone or cause property damage, liability coverage will protect you. You are also covered if a passenger is injured in the collision. Comprehensive coverage protects you if your motorcycle is damaged due to severe weather or a major collision with an animal. You are also protected if you are a victim of theft or someone vandalizes your motorcycle. While you look over your motorcycle insurance policy, consider these common motorcycle insurance myths.

You Aren’t Impacted By Your Friend Riding Your Motorcycle

If you let your friend operate your motorcycle, you may assume that their coverage takes over. However, that is incorrect. Your insurance policy is still active. If your friend causes damages while operating your motorcycle, you will likely be held responsible.

Storage Coverage Isn’t Necessary

Storage coverage allows you to cover your motorcycle during times when you aren’t using it. Remember an accident can occur at any moment, even while your motorcycle is parked.

David King Insurance Services LLC Will Help You Obtain Coverage

Visit our website to learn more information about motorcycle insurance.

Do I Need Motorcycle Insurance in the Offseason?

The people in Coppell, TX and the Lone Star state are smart folks who know how to sniff out a great deal. If you’re a motorcycle rider who’s been wondering why you should be paying for insurance coverage all year when you might not ride it for several months, David King Insurance Services LLC has the answers you want.

The Chill of a Coverage Gap

One thing you absolutely do not want to do is let your insurance coverage lapse if you intend to insure the motorcycle again. Losing your previous coverage can lose the value of a negotiated policy price or benefits like long-term customer rewards. If you forget to reinsure once riding season rolls around again, you can get caught on the road without the coverage you need.

Offseason and Offroad Threats

Instead of canceling a policy to avoid charges when you’re not riding, look into seasonal coverage options that have reduced rates for your lower usage or drop your road-based coverage while still covering your motorcycle as property. Since homeowners’ and renters’ insurance may not cover most of a parked motorcycle’s repair costs, having the motorcycle covered on its own can protect you in case of hazards like fire or theft. Your provider may have their own set of offseasons, but they may also let you negotiate based on your real usage, just like some policies can be adjusted based on your travel radius.

Ask an Agent for Advice

Everyone’s insurance needs and realities are different. An experienced insurance agent, like us here at David King Insurance Services LLC in Coppell, TX, can help you determine which of your available insurance providers and policies are the right fit for your liabilities and assets.

How would a motorcycle insurance plan in Texas protect me?

In the Coppell, TX area, owning a motorcycle is a good transportation option. The warm weather and open roads can make it a fun place to ride. While this can be a good mode of transit, it also comes with a lot of responsibility. Those in this area of Texas should get a motorcycle insurance plan to protect them in several ways. 

Coverage Will Protect Your Motorcycle

An important way that your motorcycle insurance plan will protect you is by giving you coverage and protection for your motorcycle. Those that purchase a motorcycle or other vehicle will need to make a big investment to fund and maintain it. A proper motorcycle insurance plan with collision and comprehensive coverage will give the protection that you need to repair or replace the motorcycle if it is stolen or damaged.

Coverage for Liability Risk

As a motorcycle driver, it is important to recognize that there is always a chance that an accident could occur that results in various damages. If you cause damage in this accident, you will have to pay for all the damages. While this is a consistent risk to be aware of, a motorcycle insurance plan can mitigate this risk as it will provide you with liability risk insurance.

There are many great reasons why someone in Coppell, TX should get a motorcycle insurance plan. Those that are in the market for a new insurance plan here should speak with David King Insurance Services LLC. The professionals at the David King Insurance Services LLC know how valuable this coverage can be. We can offer you advice and support that will guide you to choose a plan that works for you. Contact our office.

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