Basic New Orleans Motorcycle Insurance, required by law, is the specific insurance that covers the legal liabilities arising from the use of a motorcycle. In Louisiana, you must have an insurance policy that covers a minimum of 15/30/25 liability coverage to register and operate a motorcycle on the public roads and streets. Like car insurance, higher liability limits and more complete coverages are available.
You can buy additional New Orleans Motorcycle Insurance coverage like Uninsured Motorists, Medical Payments, Comprehensive, Collision, Breakdown, Towing, and even cover your custom equipment or custom-built bike.
One of the biggest mistakes people make about New Orleans motorcycle insurance is thinking that they do not need to carry higher limits because motorcycles are so small and light, they cause little damage in an accident. This is true in most cases where the accident is between a motorcycle and a car, truck, van, or some other object like a sign or building. What is not thought of is if the accident is with another motorcycle (which is more common than people think), a pedestrian, or, what is most common, injuries to the person riding with you. When these things happen the damage and injuries can be very bad and costly, and your 15/30/25 limits will probably not be nearly enough to cover them. Can you afford to pay the difference?