The state of Louisiana has a minimum level of mandatory requirements relating to auto insurance and all of these obligations should be fulfilled before a motorist can use a vehicle legally. While the state makes bodily injury liability and property damage liability compulsory, there are a number of other policy additions that can be incorporated into all auto insurance quotes.
At Promiga, we believe that the one of the main secrets of our success is helping road users to understand the complex world of auto insurance quotes a little better. By having more awareness of the types of car insurance on offer, consumers should be better equipped when the time comes to finally decide on a policy purchase
Bodily Injury Liability
Bodily injury liability is one of two mandatory requirements in the state of Louisiana. If a motorist is found to be at fault in a road traffic accident, bodily injury liability will cover the cost of medical fees, funeral expenses and lost earnings for any third parties involved. This vital piece of auto insurance coverage can also help to cover legal fees and damages if an at-fault policyholder is taken to court for their actions.
Property Damage Liability
Property damage liability is another mandatory requirement in Louisiana and coverage will pay for the repair or replacement of damaged property belonging to third parties when a policyholder is found to be at fault in a road traffic accident. As well as covering the cost of repairs to the vehicles of other drivers, property damage liability will also pay for damage to other belongings such as homes, fencing and other personal possessions.
Personal Injury Protection
Personal injury protection will cover the cost of medical treatment, funeral expenses and loss of earnings for the policyholder and any passengers in their vehicle at the time of an accident even if they are deemed to be at fault. Personal injury protection can also be used to cover the cost of in-house services if a driver is incapacitated due to a road traffic accident
Collision coverage will pay for the cost of repairs to the vehicle of the policyholder even if they are found to be at fault in an accident. This particular add-on does not cover the cost of repairs if a vehicle is damaged through theft, vandalism or inclement weather conditions so road users in Louisiana should consider comprehensive coverage for any other potential eventualities.
Uninsured/Underinsured Motorist Coverage
Protection against uninsured and underinsured motorists should be purchased wherever possible. If effective coverage isn’t in place and an insufficiently insured driver hits your vehicle, you may find that you will have to cover the cost of repairs to your own vehicle personally especially if the accident is a hit-and-run incident.
At Promiga Auto Insurance Quotes, we can offer detailed coverage through our extensive list of A-rated providers. All of our car insurance quotes are completely free of charge with absolutely no obligation to make a purchase and we never ask our visitors for personal information. All we care about is bringing you some of the cheapest auto insurance quotes in the country while maintaining our commitment to providing detailed coverage and excellent levels of customer care.