Auto Insurance

If you operate a vehicle on public roads, you must have valid auto insurance. Most states have minimum coverage laws that include at least a liability portion. Your typical auto insurance policy also includes comprehensive and collision coverage with additional coverage options, such as roadside assistance. Our insurance agents can help you tailor your auto insurance policy to your needs.

According to Louisiana state law, drivers must carry minimum liability auto insurance to operate a motor vehicle. Minimum liability limits include $15,000 for bodily injury to one person, $30,000 for multiple people, and $25,000 of coverage for property damage. Liability insurance doesn’t cover any damage to your vehicle. It only covers repairs or medical expenses for the other parties if you cause an accident. 

If you cause an accident involving another vehicle or stationary object, your collision coverage is in place to cover the repairs to your car. You only have to pay the deductible, and insurance will take care of the rest. If the claims adjuster determines that your vehicle is totaled, your insurance will reimburse you for the current value of your vehicle, up to the limits of your policy.

Comprehensive coverage covers the cost of repair to your vehicle if you collide with an animal, such as a deer. It also covers damage to your car caused by theft, vandalism, and natural events, such as a windstorm or a branch falling onto your windshield. If you file a claim under comprehensive coverage, you’ll pay your deductible while insurance takes care of the rest.

Liability coverage is the only insurance coverage legally required to drive on the roads. This type of coverage helps protect you from having to pay for damages you caused out of your own pocket. In an accident, your liability coverage will cover the repairs to the other driver’s vehicle and necessary medical expenses if there are any bodily injuries.