Motorcycle Insurance in Baton Rouge, LA
Motorcycle insurance is essential for helping cover financial losses resulting from accidents, theft and liability claims. Louisiana has specific minimum liability coverage requirements that all riders must meet to cover damages and injuries they may cause to others.
What Does Motorcycle Insurance Cover?
Motorcycle insurance policies are often customized to address riders’ various coverage needs. Your agent may recommend the following types of coverage:
- Liability coverage may compensate for injuries or property damage to others if you are at fault in an accident.
- Collision coverage may cover your motorcycle’s repair costs after an accident, regardless of fault.
- Comprehensive coverage may cover damages from non-collision incidents, such as fire, theft and vandalism.
- Medical payments coverage may help pay ambulance fees, medical bills and funeral expenses after an accident, regardless of fault.
- Uninsured/underinsured motorist coverage may cover accident-related costs involving an inadequately insured at-fault motorist.
- Motorcycle accessory coverage may cover modifications and upgrades to your bike, including custom paint, saddlebags and electronics.
- Roadside assistance coverage may help with towing, flat tires, battery jump-start and other services if your bike breaks down while on the road.
What if I Ride Without Motorcycle Insurance?
If you choose not to get motorcycle insurance in Louisiana, you risk serious legal and financial consequences. Penalties include fines, license plate and registration suspension, and vehicle impoundment. Under the state’s “No Pay, No Play” law, uninsured motorcycle riders involved in an accident, regardless of who is at fault, are restricted from claiming compensation from the other party’s insurance until their own damages surpass a certain threshold for property damage and personal injury.
This means you could be left paying out-of-pocket for significant expenses. Additionally, being caught without insurance can label you as a high-risk driver, making it harder and more expensive to obtain coverage in the future.
Learn More
For any questions about motorcycle insurance, reach out to Bill Caldwell Insurance Services LLC. Our agents are here to help you learn more about this essential coverage. Contact us today.