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.