Car/motorcycle crashes are most common: Do you currently have motorcycle insurance? Insurance is mandatory to drive in Texas Yes I have insurance. But please show me your best quotes. No, please help me find the best insurance. Question Car/motorcycle crashes are most common: Answers At intersections. At night. When the rider is speeding. On freeways. Explanation Over one-half of crashes involving motorcycles and passenger vehicles are caused by drivers failing to properly yield the right-of-way to riders. Always be especially alert when approaching an intersection.