Can My Insurer Decline to Pay for My Injuries If I Wasn’t Wearing a Helmet?

In the state of Texas, you are required to wear a helmet when operating or riding on a motorcycle. But if you went out for a ride and didn’t put your helmet on, and they are involved in an accident, you may wonder if your insurer can decline to pay for your injuries. At Allegiance Insurance Agency, serving the greater Richardson, TX area, we want to help you understand the laws and how they apply to your motorcycle accident. Here is the information you need to know in this scenario.

The state of Texas is a no-fault insurance state. This means that if you are involved in an accident, your insurance and your insurance alone will pay for your injuries. Even if the other driver was at fault, your insurance company will be the one paying because Texas is a no-fault state. This also means that you not wearing a helmet does not come into play, since there is no fault. Ultimately, this means, that in the state of Texas, your insurer cannot decline to pay for your injuries simply because you were not wearing a helmet.

While a motorcycle insurer cannot decline to pay for your injuries if you were not wearing a helmet and were involved in an accident, they can decide to cancel your motorcycle insurance in the future. As such, you should make sure to obey all laws that are required of you.

Having the right motorcycle coverage ensures you are fully covered in the event of an accident. At Allegiance Insurance Agency, serving the greater Richardson, TX area, we are committed to helping you with all of your insurance needs. Contact us today and let us help you find the right motorcycle insurance policy for your needs.

Fun Places to Visit In Your Classic Car

There’s a good chance you don’t get your classic car out of your Richardson, TX garage often, but when you do, it’s important that you have as much fun as possible. It’s also pertinent that you make sure your car is properly protected with classic car insurance. For now, let’s take a quick look at three of the best places to visit in your classic car.

Drive-In Movie

Visiting a Drive-in movie theater in your classic car will take you back in time for some serious nostalgia. These types of movies are so neat because you must sit back and crank up your car radio or the little box the drive-in provides to watch ar the sound to the movie. This makes for a great way to relax and unplug for the night. Your classic car is sure to turn a few heads, allowing you to take much pride in the classic car you have poured your heart and soul into.

Visit a Car Show

A car show can make for a fun place to visit in your classic car. Even if you aren’t entering your car in the show, this is still a great place to kick back and relax while showing off your vehicle. It also gives you the chance to check out other classic cars. Some of the largest car shows in the United States are the Alabama International Auto show, Autorama in Detroit, and the Chicago Auto show.

Cars and Coffee

Are you up for a road trip? If so, a hot destination for classic car enthusiasts is the Cars and Coffee Show, located in Richmond, VA. Every other Saturday of the month, owners of vintage cars gather together to grab a cup of coffee. All the while, you can relax around tons of gleaming refurbished classic muscle cars and check out the top accessories and high-end buys that most people dream of owning.

Get a Quote Today

If you would like to learn more about having fun in your classic car and protecting it with auto insurance, call Allegiance Insurance Agency today serving the Richardson, TX area.