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