The Importance of Motorcycle Insurance in Louisiana
Every year, the United States sees thousands of deaths from motorcycle accidents. Since 2004, the number hasn’t gone lower than 4,000 fatalities annually. In Louisiana alone, there were 81 fatalities in relation to motorcycle crashes in 2020 – highlighting the need for a Louisiana motorcycle accident lawyer.
You may think wearing a helmet is a sufficient precautionary measure, but it isn’t. There’s no denying that helmets can reduce risks of a serious head injury; however, they can’t offer a 100% guarantee.
Did you know that Louisiana Revised Statutes 32:190 makes it unlawful to operate or ride on a motorcycle without wearing a safety helmet properly secured by a chin strap?
The Best Protection Against Accidents Is Motorcycle Insurance
Prevention should still be your main goal, but accidents can happen at any time. If others on the road are reckless, then you can’t be too sure that you’ll be spared from a crash no matter how careful you are. Thus, it’s necessary for you to have motorcycle insurance if you regularly go out on your bike.
Furthermore, motorcycle insurance can cover a lot of subsequent costs after an accident. Depending on the coverage you choose, your expenses could be covered in these areas.
Louisiana Motorcycle Insurance Minimums
Louisiana motorcycle insurance regulations require that owners have a liability policy with minimum coverage amounts equal to those below:
- $15,000 for death or bodily injury to one person.
- $30,000 for death or bodily injury to two or more persons.
- $25,000 for damage or destruction of property.
Liability insurance just takes care of the injuries and damages of a third party who was injured during an accident that you caused. This means that your injuries or damages to your motorcycle would not be covered.
Comprehensive Coverage and Personal Injury Protection
If you get optional comprehensive and personal injury protection (PIP) on top of general liability, you know you’re covered in every way in the case of an accident.
Your injuries, as well as others’ injuries for a multiple-vehicle crash, will be covered by the at-fault driver’s insurance. Depending on the injuries you suffer, coverage may not be 100%. However, it can still significantly ease your financial woes while recovering.
If other motorists involved in the accident are at fault and they don’t have adequate insurance to cover your expenses, getting additional underinsured motorist insurance may cover them. This also applies to uninsured motorists.
Repair or Replacement Costs
The expenses related to fixing the damage to your motorcycle will be covered. If it’s unfixable, replacement is covered as well. The damage doesn’t have to be accident-related. Vandalism is addressed by this coverage, as well as theft.
As mentioned, accidents and theft aren’t the only causes for damage or loss. Another cause of damage could be animals, whether they’re domestic or wild. The weather could be a factor too, like heavy rains or snow.
The Importance of a Louisiana Motorcycle Accident Lawyer
Motorcycle insurance is necessary, but not enough. If you get involved in an accident and it’s not your fault, you may be entitled to a settlement. To get that, you must have a good motorcycle accident lawyer in Louisiana fighting for your case. They can help determine liability to clearly establish who’s at fault. Otherwise, you can’t make a claim.
Next, the extent of your injuries should be assessed so that you get a fair payout. And of course, your lawyer will negotiate with insurance companies to make them give the highest possible settlement to you.
For a Louisiana motorcycle accident lawyer you can rely on, contact Mike Brandner Injury Attorneys for a free consultation. Our offices are open from 8:00 a.m. – 5:00 p.m., but we’re available to take your call 24/7. You can also go to our site and LiveChat with us any time.
The information on this blog is for general information purposes only. Nothing herein should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney-client relationship.