Month: February 2026

Why You Should Not (and Cannot) Split the Lane

Posted on by agentinsure

By "splitting the lane," we mean riding a motorcycle between two lanes of traffic. Riding between lanes of traffic is illegal in Texas as of 2023, following the passage of House Bill 4122. Violations of this law can result in a fine of at least $175. So, quite literally, stay in your lane in the state of Texas. While motorcyclists are allowed to ride side by side, you may not pass a vehicle that is in your lane. Lane splitting may seem harmless. After all, a motorcycle is small and maneuverable enough to fit in tight spaces. However, just because you can doesn’t mean you should.

Why Lane Splitting Is a Bad Idea

Often referred to as "striperiding" or "whitelining," lane splitting might sound like a clever way to use your motorcycle’s maneuverability to bypass traffic congestion. However, it’s a classic case of haste making waste. You can’t predict what other drivers will do. For example:

  • A door may suddenly open.
  • A driver or passenger may throw something out of a window. (Don’t mess with Texas!)
  • A driver may decide to change lanes, and you could be in their blind spot.

When you take a position in a lane, you need to avoid other vehicles’ blind spots, increase your ability to see and be seen, and minimize exposure to wind blasts from other vehicles. The faster vehicles travel, the greater the risk of an accident. It’s simply too big a risk to take.

Additionally, if you’re found guilty of lane splitting, you may be denied an insurance claim. Play it smart and stay in your lane to protect yourself and others on the road.

Contact Southwest Insurance Center in Austin, TX

If you’re in Austin, TX, and need motorcycle insurance, Southwest Insurance Center is here to help. Contact us today to learn more about your options and get the coverage you need.

When is Seasonal vs. Recreational Boat Insurance Required?

Posted on by agentinsure

Investing in a boat is a fantastic way to enjoy the outdoors. However, boat insurance isn’t always a "one size fits all" solution. Whether you need seasonal or recreational (year-round) insurance depends on how often you use your boat, where it’s stored, and the risks you want covered. If you’re a boat owner in Austin, TX, Southwest Insurance Center can help you determine which plans are ideal for the protection you need.

Seasonal Boat Insurance

Seasonal boat insurance is designed for boat owners who use their boats only during specific times of the year, such as spring or early fall. Seasonal boat insurance is recommended if:

  • Your boat is winterized and stored away during the off-season.
  • The boating season in your area is limited by weather conditions.
  • Your marina or lender requires coverage only during active months.
  • You want to reduce premiums when your boat is not in use.

Typically, seasonal boat insurance provides full coverage during boating months and reduced coverage while your boat is in storage.

Recreational (Year-Round) Boat Insurance

Recreational boat insurance offers continuous coverage for year-round protection. This type of insurance is ideal or required if:

  • You live in a warm climate and use your boat year-round.
  • Your boat remains in the water throughout the year.
  • You take spontaneous or off-season trips.
  • You travel between regions or states with varying boating seasons.

Understanding boat insurance, its limitations, and coverage options is essential when investing in a boat. Whether you use your boat year-round or seasonally, securing the right coverage is crucial for your peace of mind. If you’re a boater in Austin, TX, and want to ensure you have the right level of protection, contact Southwest Insurance Center today.