Is RV Insurance Necessary?

Driving a recreational vehicle can be a great way to tour the country.  if you do end up purchasing an RV, you will be making a major purchase that needs to be properly protected by insurance. For those that are in the Richardson, TX area and are looking for an RV insurance policy, there are several factors to consider to ensure they are in compliance and are properly protected.

State Requirements

Those that own and operate an RV in Texas will be required by law to follow the same minimum liability requirements as all motorists.  If you plan on taking your RV out on the road at any time, you will be required to carry minimum property damage liability coverage of at least $5,000 per incident as well as bodily injury liability coverage of at least $15,000 per person with a $30,000 incident cap. These types of insurance coverage will provide coverage to other drivers on the road and will not provide you or your assets with any coverage.

Lender

When you are looking for a new RV insurance policy, it is also important that you consider any requirements set forth by your lender.  If you took out a loan to purchase the RV you will need to have an insurance policy in place for the length of time that your RV loan is in place.  This policy will require both collision and comprehensive coverage.

For those that own an RV in the Richardson, TX area, contact the Allegiance Insurance Agency could be a great option.  Allegiance Insurance Agency will be able to provide Richardson, TX area RV owners with further insight into what the requirements for insurance are and what type of policy they should get on their RV.

Texas Motorcycle Laws: What You Need to Know

Richardson, TX is home to some of the most picturesque roads in the world. Motorcycles are a fun way to explore the natural beauty and history of the area. If you plan on enjoying the Texas countryside on a motorized bike, this is what you need to know about the legal requirements.

  • All riders under the age of 18 must complete an approved Basic Rider Course before earning a motorcycle license. This short course combines classroom instruction with guided on-the-road practice to teach new riders how to safely navigate their new vehicle. The experts at Allegiance Insurance Agency suggest that all drivers seeking their first certification complete a safety training.
  • In order to earn a motorcycle license, drivers must complete a minimum of 20 observed practice rides. Learners must complete practice rides during daylight hours. This means one-half hour after sunrise and one-half hour before sunset. They are also not able to carry passengers or operate on state toll roads or limited access highways.
  • A new motorcycle license is subject to a one-year probationary period. During this time, riders may not be able to carry certain passengers or operate between the hours of 11:01 pm and 5 am. Riders under 21 may need to display a special decal on their vehicle that lets other drivers know they are in the presence of an inexperienced operator.

All motorcycles must be registered with the state of Texas. An active insurance policy is required to complete the registration process. Allegiance Insurance Agency offers comprehensive motorcycle insurance for riders in the West Richardson, TX area. Contact our representatives now for more information on Texas motorcycle insurance.