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Your question is not entirely clear. Does the person who is riding your bike in Texas have your permission to ride the bike, or did this person steal it? If he did steal it, and you have theft insurance, you may make a claim. Did this person have an accident while riding your bike in Texas with your permission? If so, you would have to check the provisions of your policy to see if it covers other people than yourself who use your bike. Not all policies are the same.

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Q: Will insurance pay if someone else is riding your bike in Texas?
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