Motorcycle Insurance

Motorcycle insurance regulations in Louisiana require that owners have a liability policy with minimum coverage amounts equal to those below:

• $15,000 for death or bodily injury to one person
• $30,000 for death or bodily injury to two or more persons
• $25,000 for damage or destruction of property

Those limits may seem comprehensive, but the bills from a single night in the hospital or an E.R. visit with ambulance bills can rip through those coverages. When you add in tests, physical therapy, and time off work, you can see how those limits are nowhere near enough.

What’s more, if you want your bike protected in an accident, or from theft and acts of God, then you need additional coverage.

The minimum coverages required by the Pelican State are better than those in some states, but you likely want to have your bike protected in the event of a collision or other type of mishap.

• Collision coverage covers your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage.
• Comprehensive coverage covers items like fire, wind, water, theft, and vandalism.

If you ride a custom bike, you should consider custom parts and equipment coverage. This will cover everything from aftermarket parts to expensive paint jobs and modifications.