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Personal Auto Insurance

Auto Insurance provides coverage for the legal liabilities stemming from the use of a vehicle. A minimum of 15/30/25 in liability coverage is required by Louisiana in order for you to register and operate a vehicle on the public roadways. Driving without auto insurance is against the law. If you are found operating a vehicle without the minimum required insurance it will result in citations and fines, a suspension of your driver’s license, and the towing of your vehicle.

Auto Insurance coverages can be confusing at times, so let us provide you a quick explanation for some of the terms and options for your vehicle coverage.

Collision and Comprehensive:
This coverage pays for damage to your vehicle. You have the option to purchase one or both for your vehicle.

Collision – insures you for damages to your vehicle caused by an accident.
Comprehensive – insures you for damages to your vehicle outside of a collision such as damage caused by fire, theft, flood, and vandalism.

This coverage pays for injuries and property damage you caused when you are determined to be at fault in an accident.

Medical Payments:
Up to a certain amount, this coverage pays for medical expenses for you and your passengers if injured in accident, no matter who is at fault.

Personal Injury Protection:
This coverage is required in some states and pays such items as medical and rehabilitative expenses, funeral expenses, replacement services, and loss of income if you are unable to work due to an injury in an auto accident.

Uninsured/Underinsured Motorist:
This covers you if you are injured in an accident by someone who has no insurance or doesn’t have adequate liability insurance to cover your injuries. This also covers you if you are involved in a hit-and- run accident, so you don’t have to worry when the other driver runs off.

Optional Coverages:
These are the extras such as glass repair, roadside assistance, towing, and rental reimbursement.

Give us a call today and speak with one of our agents to learn more about Auto Insurance. We can help you determine the type and amount of insurance you need for your vehicle and explain the options available to you.

Happy African American Man Hugging New Car In Auto Dealership