I was involved in a rear-end accident. A lady ran into the back of my truck and I sustained upper back injuries. Mr. Grossman took my case and settled it in a matter of days. I would recommend Mike Grossman to anyone in a similar situation because he is a good attorney and prompt.

-K. Briscoe
Motor Vehicle Accident Case

Motorcycle Insurance Policies

Our Texas Attorneys Discuss Motorcycle Insurance Policies, and What You Should Expect After a Motorbike Accident

A motorcycle insurance policy in Texas protects you from financial loss in the event that you suffer economic loss as a result of a motorcycle wreck. Without adequate insurance coverage, a motorcyclist may face immense financial pressures in the aftermath of a motorcycle accident.

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Whether you’ve chosen motorcycle insurance with AARP, Allstate, Esurance, Farmers, Geico, Liberty Mutual, MetLife, Nationwide, Progressive, Safeco, or State Farm, you need to be sure that you’re adequately covered so that you’re not surprised to learn that your insurance coverage is lacking at the moment you most need its assistance.

Some motorcyclists may falsely believe that they have full coverage, then may later be shocked to learn that their actual motorcycle insurance policy fails to cover certain situations or issues. There are seven areas that a motorcycle insurance policy in Texas may cover: liability, property damage, medical, uninsured/underinsured, collision, comprehensive, and umbrella.

  • Liability coverage takes effect if you are the responsible (i.e. liable) party for a wreck resulting in injury to another person.
  • Property damage coverage takes effect if you are responsible for causing damage to another person’s vehicle or property.
  • Medical coverage takes effect when you are the one that suffers injury in a motorcycle wreck.
  • Uninsured/underinsured coverage, also known as UM/UIM coverage, takes effect when a person without insurance, or with insufficient insurance coverage, causes you injury.
  • Collision coverage takes effect when your motorcycle suffers damage, regardless of who the liable party for the damage is.
  • Comprehensive coverage takes effect when loss occurs due to theft or damage occurs due to vandalism or natural events, like fire, flood, or hail.
  • Umbrella coverage offers additional protection for unique situations where damages are excessive.

The minimum amount of insurance coverage that a Texas motorcyclist must have is as follows:

  • $20,000 in bodily injury liability for one person.
  • $40,000 in bodily injury liability for all persons injured in one accident.
  • $15,000 in property damage liability.

Compared to most states’ minimal requirements for motorcycle insurance, Texas requires slightly more of its riders in regards to insurance coverage minimums. If you have an adequate health insurance policy, you may likely be able to forego purchasing additional medical payment coverage for a motorcycle insurance policy.


Do I Need Uninsured/Underinsured Coverage in Texas?

If you own a motorcycle in Texas that you plan to use often, consider purchasing uninsured/underinsured coverage to protect yourself in the event that you’re hit by a person without insurance or with insufficient insurance coverage. UI/UIM coverage is important in Texas as there are an estimated 20% of vehicles in Texas that are uninsured. Many thousands of other drivers have less than adequate insurance coverage and, even if they may have some insurance coverage, may not have other financial assets with which to cover your costs in an injury motorcycle accident in Texas. Depending on your purchased policy, UI/UIM coverage will cover the costs that the liable party’s insurance would have covered had they had insurance or had they had sufficient insurance.


Collision, Comprehensive, and Umbrella Coverage in Texas Motorcycle Insurance Policies

Collision coverage covers damage done to your bike. It’s important to ensure that you have adequate coverage that will compensate you for the full repair value of your bike. Often, bikers may get short-shifted by their insurance company when an insurer refuses to pay out for damage done to custom modifications done to the bike. Such customization to a motorcycle is often not explicitly covered by collision coverage, but may be offered as additional coverage. However, be warned: this additional coverage must often be specifically requested to be added to your policy.

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Comprehensive coverage covers damage done to your motorcycle by vandalism or acts of nature, and also covers loss due to theft.

An umbrella policy can be added for a relatively low monthly payment compared to how much additional coverage it can provide for an injured motorcyclist or the family of a killed motorcyclist. Umbrella policies can provide further liability coverage up to one or two million dollars in excess of the limits of the foundational motorcycle insurance policy.


Dealing with a Difficult Motorcycle Insurance Carrier

It’s important that you seek out adequate motorcycle insurance coverage that can assist you in your time of need. Unfortunately, insurance companies can often be challenging to deal with, especially in the aftermath of an injury motorcycle accident. While an attorney is seldom necessary in a property damage only motorcycle accident, such accidents are rare. If you have had the misfortune to have suffered injury as a result of a motorcycle wreck in Texas, our motorcycle accident lawyers in Texas can help you seek full and fair compensation for your injuries. We have faced nearly every major insurer in the country, and they have a healthy respect for Grossman Law Offices. If you need assistance in dealing with a difficult insurance company, or if you have questions about your legal rights following an injury motorcycle wreck in Texas, call our motorcycle collision attorneys toll-free at 1-855-338-0170.


Some of Our Most Recent Successful Cases
$125,055.00 Recovery - Automobile Accident (Back Injury Requiring Surgery)
Recovery for client who suffered a back injury resulting in surgery in a car accident.
Total Recovery:
$125,055.00
Attorney Fees:
$41,684.00
Litigation Expenses:
$435.00
$100,000.00 Recovery - Motorcycle Accident (Neck, Back, and Knee Injury)
Recovery for a client who suffered neck, back, and knee injuries in a motor cycle accident.
Total Recovery:
$100,000.00
Attorney Fees:
$33,333.00
Litigation Expenses:
$627.00
$97,500.00 Recovery - Wrongful Death / First-Party Dram Shop Accident
(policy limits were $100k) Recovery for wife of a motorcyclist who was killed in a drunk driving accident.
Total Recovery:
$97,500.00
Attorney Fees:
$48,750.00
Litigation Expenses:
$0.00
$350,000.00 Recovery - Wrongful Death / First Party Dram Shop
Our firm was hired by the minor child and parents of a young man who was killed in a motorcycle accident after being over served alcohol at a South Padre Island bar. The plaintiffs hired our firm to investigate the claim on the basis that the decedent was over the legal limit at the time of his death. In initial attempts to settle the case out of court, the defendants denied liability. Suit was filed soon thereafter.

The defendants initially argued that the decedent never consumed alcohol on their premises. Through physical evidence and deposition testimony to the contrary, we were able to conclusively prove that the decedent had indeed been drinking at the establishment.

The defendants then asserted allegations that the decedent's minor child was not actually his biological child, which would bar his claim entirely. A DNA test was performed and this argument was defeated.

The defendants then asserted the safe harbor defense. Our attorneys argued that the defendants did not qualify for safe harbor protection due to the fact that their servers were not all licensed providers. However, while this element was being addressed, our attorneys focused their attention on addressing the second element of the safe harbor defense regarding the bar's encouragement of the over service of alcohol. The defendants claimed that they would never serve the double-shot Bacardi cocktails that witnesses claimed the decedent drank several of. We sent private investigators into the bar to order the same drinks that the decedent consumed on the night of his death and the very same bar tenders who over served the decedent, without hesitation, served copious amounts of alcohol to the investigators, all of which was captured on hidden camera.

Once the safe harbor defense was defeated, the defendants argued that the decedent's BAC was low enough at the time of his death (as recorded by the hospital) that he would not have necessarily appeared obviously intoxicated to the servers and therefore the bar should not be held liable even if he had been over served. Eyewitness testimony refuted this.

Additionally, our firm's testifying medical expert reviewed the medical records related to the emergency helicopter flight that transported the decedent to the hospital after his accident. She determined that the EMS technicians administered numerous blood transfusions while in flight. Armed with this newfound data, our medical expert reverse extrapolated and determined conclusively that the decedent's BAC was actually in the range of .19-.21 at the time of the accident, though it was drastically diluted by the time he arrived at the hospital, which accounted for the relatively low BAC found in the hospital's medical records. This testimony proved to be pivotal in the case, resulting in a successful recovery for our clients.
Total Recovery:
$350,000.00
Attorney Fees:
$140,000.00
Litigation Expenses:
$40,000.00
$475,000.00 Recovery - Commercial Vehicle Accident / Motorcycle Accident (Shoulder Injury Requiring Surgery)
An airline pilot suffered a shoulder injury resulting in surgery when he was sideswiped by an 18-wheeler. The case was resolved through litigation, as establishing liability was a contentious matter. The defendants claimed that the plaintiff made an illegal passing maneuver, but the evidence showed that the defendant made a sweeping turn and intruded upon our client's right of way.
Total Recovery:
$475,000.00
Attorney Fees:
$158,333.00
Litigation Expenses:
$5,000.00
$93,000.00 Recovery - Motorcycle Accident (Soft-Tissue Injuries and Abrasions)
Recovered for victim of motorcycle accident who suffered soft tissue injuries and abrasions.
Total Recovery:
$93,000.00
Attorney Fees:
$31,000.00
Litigation Expenses:
$181.00
$200,000.00 Recovery - Commercial Vehicle Accident (Back Injury Requiring Surgery)
Recovery for motorcyclist who suffered a back injury in an 18-wheeler accident.
Total Recovery:
$200,000.00
Attorney Fees:
$80,000.00
Litigation Expenses:
$5,709.00
$100,000.00 Recovery - Motorcycle Accident (Broken Femur)
(policy limits) Recovery for victim who sustained a broken femur in a motorcycle accident.
Total Recovery:
$100,000.00
Attorney Fees:
$33,000.00
Litigation Expenses:
$0.00
$350,000.00 Recovery - Product Liability (Back Injury Resulting in Surgery)
A young woman suffered a back injury that required corrective surgery following a boating accident. The boat in question sped out of control and crashed into a landmass, throwing our client from the boat, as the result of a stuck throttle. Upon inspection of the boat, it was determined that a poor design led to the malfunction and a product liability lawsuit was brought against the manufacturer. The defendants argued that the boat was inappropriately piloted, however, the physical evidence depicted the cause of the accident quite clearly and the case was successfully resolved.
Total Recovery:
$350,000.00
Attorney Fees:
$100,000.00
Litigation Expenses:
$100.00

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