Motorcycle Insurance
If you own a bike in Louisiana, it’s a convenient mode of transport to run errands and commute, given its fuel efficiency and flexible nature to weave through busy roads. While bike ownership is fun, you need to consider motorcycle insurance from Chabert Insurance Agency LLC to protect yourself and your investment.
Required motorcycle insurance in Louisiana
Like most states, you are required to purchase motorcycle insurance in The Pelican State. Louisiana requires riders to include the below coverages in their motorcycle insurance policy:
- Bodily liability insurance: This protects you when you are responsible for an accident that causes bodily harm to other people. The minimum required limit is $15,000 per person and $30,000 for injuries to more than one person.
- Property damage liability: It’s similar to bodily injury liability, only that it covers property damage to third parties. The minimum required coverage is $25,000.
These coverages might seem sufficient, but you will discover they are nowhere near enough when you cause a severe accident. For this reason, you need to increase liability coverage limits. Also, you need to consider other coverages to protect yourself and the bike.
Optional motorcycle insurance coverages
If you need optimal motorcycle protection, consider the following optional coverages:
- Collision coverage: It protects your bike when you collide with another motorist or stationary object.
- Comprehensive coverage: It covers physical damage or loss of your bike from perils like fire, falling objects, theft, vandalism, and natural disasters.
- Medical Payments (MedPay): It covers medical costs for you and your passenger if you sustain auto accident injuries.
- Uninsured motorist coverage: This coverage pays you for damages you incur when you collide with a motorist who doesn’t have insurance. It also covers you in hit-run-run scenarios.
- Custom equipment coverage: It covers aftermarket parts you install to enhance the performance and safety of your bike.
Ready to get started with motorcycle insurance? If you are in Louisiana, please get in touch with Chabert Insurance Agency LLC.
