Whether riding a motorcycle, moped, or another two-wheeled vehicle, the state of Louisiana requires it to be registered before you bring it on public roads. Of course, before you do that, you'll need to provide proof of insurance. Trinity Insurance is here to help with all your motorcycle insurance needs.
The state sets insurance and registration requirements through the Office of Motor Vehicles (OMV). Motorcycle registration is good for four years, but you'll need to meet the following minimum motorcycle insurance requirements.
Louisiana requires motorcyclists to carry liability insurance covering a minimum of $15,000 per person or $30,000 per incident for bodily harm. If anyone is injured or killed because of your fault, you will be held legally liable, and this insurance will cover it.
You're also required to carry a minimum of $25,000 of liability insurance to cover any property damage you cause while operating your motorcycle. The OMV electronically reports insurance information.
In addition to liability insurance (which you may opt for higher coverages on), you can also obtain additional insurance to cover medical costs or uninsured motorists. The U.S. Department of Transportation reports motorcyclists are killed more often in accidents than any other vehicle type. Be sure you're riding safely with proper safety gear, including a helmet.
If you have a loan on your motorcycle, your lender may also require comprehensive and collision coverage. This is considered "full coverage" for financial institutions. This is a lot to take in, but don't worry - we have you covered.
At Trinity Insurance, we understand the unique challenges of motorcyclists. Our local agents work directly with you to provide personalized coverage for your individual needs. We won't waste your time and will only recommend products relevant to you.
Contact one of our licensed agents to protect your motorcycle today.