When to File a Motorcycle Insurance Claim 

Knowing when to file a motorcycle insurance claim is vital for handling accidents or damage correctly. Some situations require quick action, while others might be minor enough to manage on your own.

When Should You File a Motorcycle Insurance Claim?

Not every incident requires filing a claim, but there are situations where it’s essential to notify your insurer:

• Accidents involving other vehicles—If you’re involved in a collision with another car, especially if there are injuries or significant property damage, you should file a claim. Louisiana law may require accident reporting in these cases.
• Theft or vandalism—If your motorcycle is stolen or vandalized, your comprehensive coverage can help with repairs or replacement.
• Accidents with inadequately insured drivers—If you’re involved in an accident caused by someone who lacks liability insurance, your policy may help cover your losses.
• Severe weather damage—Louisiana weather can be unpredictable. Damage from storms, flooding or other natural events may be covered under your policy.

For minor incidents, such as a small scratch or dent, you may opt to pay out of pocket if the repair cost is less than your deductible or if you want to avoid potential premium increases.

What Does the Claims Process Involve?

Filing a motorcycle insurance claim in Louisiana typically involves these steps:

1. Gather witness information and write down details of what happened.
2. Notify local authorities if required, especially for accidents involving injuries or significant damage.
3. Reach out to our team at Affordable Insurance Providers as soon as possible. We can guide you through the process and explain what information is needed.
4. Work with the adjuster who may inspect your motorcycle and review the claim. Depending on your coverage, approved claims may result in payment for repairs or replacement.

We’re Here to Help

Affordable Insurance Providers helps Louisiana motorcycle owners navigate their insurance options and the claims process. Our agents are just a call or click away. Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.