Louisiana and Texas Motorcycle Insurance: Critical Protection for Bikers
Bromell Agency, Inc. is Ruston’s trusted source for personalized insurance benefits. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.
Like all drivers, motorcycle owners are required to insure their bikes appropriately. However, insurance applies to a motorcycle much more differently than to the average car. Therefore, you’ll need customized motorcycle insurance, and we’re here to help you get it.
To get your motorcycle insurance policy today, call us at 318-251-1212 or request your free quote now!
Common Motorcycle Insurance Questions
What is motorcycle insurance?
A motorcycle is a motor vehicle that is at risk of the same hazards that could impact every other vehicle. But it is still a lot different from your average car or truck. It has two wheels, requires special skill to operate and doesn’t provide the protection of the average car.
As a result, bikers need personalized insurance coverage. However, they won’t find it in a regular auto insurance plan. Only through motorcycle insurance will the owner be able to receive the proper protection to keep both them and their vehicle secure in the event of a sudden loss.
Why do you need motorcycle insurance?
Under the average motorcycle insurance policy, you will have a guarantee of financial assistance if you ever face a sudden, unavoidable loss involving your bike. The key to this coverage is that it will help you pay for accident damage, settlements and other challenges that could always arise (whether you are on the road or parked in your driveway) and save you a lot of money in personal losses.
What does motorcycle insurance cover?
Motorcycle insurance offers a diversity of benefits, which will offer you protection against any number of challenges that might arise:
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Comprehensive coverage: This provides compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.
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Collision coverage: This provides compensation if the motorcycle is damaged or lost due to collision with another vehicle or object.
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Liability insurance: This covers bodily injury and property damage the insured biker may cause while operating the vehicle.
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Personal Injury Protection (PIP): This insurance helps with medical expenses for the driver and their passengers in case of an accident, no matter who is at-fault.
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Guest passenger liability insurance: This coverage steps in if a guest driver causes an accident while operating the motorcycle with the owner’s permission.
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Uninsured/underinsured motorist insurance: This insurance steps in if the insured vehicle is involved in an accident with a driver not carrying insurance.
Other benefits that you can also use to your advantage include:
Am I required to buy motorcycle insurance?
Under Louisiana law, you must carry liability coverage on any automobile you own. This coverage pays for property damages or personal injury for which you may be legally
responsible, up to your policy’s dollar limits.
In Louisiana, each vehicle is required to have 15/30/25 liability limits. Those limits provide payments of:
$15,000 for bodily injury to one person,
$30,000 for bodily injury to more than one person in a single accident, and
$25,000 coverage for damage to someone else’s vehicle or other property.
Bikers who have financed their bikes might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.
It is highly recommended that you carry more than just a minimum level of insurance on your policy, and we are the experts who can help you determine precisely which additional coverage is best for you.
What does motorcycle insurance cost?
Numerous factors can influence the cost of your motorcycle policy, including:
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Your chosen coverage limits
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The value of your bike
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Your driving accident history
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Your history of claims on other motorcycle policies
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Where you live
It is possible for two bikers to have identical policies but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.
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