Are You Required to Have Motorcycle Insurance in Louisiana?

It’s pretty much common knowledge by now that auto insurance is required for the cars you drive, but what about your motorcycle? Before you get caught unprepared out on the road, it’s important to understand what Louisiana’s insurance laws are and what you need to do to comply. The experts at Insurance & Financial Services Inc. are here to help, serving clients in the Baton Rouge, LA area and beyond. Here’s what you need to know:

The state of Louisiana is an ‘At Fault’ State

What does this mean, exactly? Well, in the event of an accident, the person who is deemed to be responsible for the accident (usually as the result of a police report and/or investigation) may be liable for paying for all incurred damage and trauma. This includes associated medial bills. 

Now, if you do not have motorcycle insurance, you are not permitted to file a claim. Period. This means that even if the other person involved is clearly at fault, you won’t be able to do much– if anything– about it if you do not have coverage. This is one reason why all motorcyclists are required to carry proof of insurance on them at all times while out on the road. 

If You Live in Louisiana, You Must Meet Coverage Minimums

For motorcyclists in Baton Rouge, LA (and anywhere in the state, for that matter), the minimum coverage amounts are $15,000 for bodily injury to one person or death (one person)
$30,000 for bodily injury or death to two or more persons involved, and $25,000 in coverage for damage or destruction of property during a single accident. 

Taking the Next Step

When you’re ready to learn more about your coverage options and get the motorcycle insurance coverage you need, contact the experts at Insurance & Financial Services Inc. We’re happy to answer any questions you have and get you started on the path to a great policy for you and your motorcycle.