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Under Louisiana law, you must carry liability coverage on any automobile
you own. This coverage pays for property damages or personal injury for which you may be legally responsible, up to your policy's dollar limit amounts.
Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (10/20/10) tells you how much your louisiana auto insurance will cover for property damage in any one accident.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident for which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Louisiana requires a minimum of 10/20/10 liability coverage. The first number is the amount that louisiana auto insurance will cover for any one person ($10,000). The second number is the total amount louisiana auto insurance will pay for all persons injured in an accident.
Even within the state of louisiana, auto insurance rates have changed over the past few years. Comparing the current louisiana car insurance rate to the numbers from a few years back, the average louisiana auto insurance premium in 2002 was about $1,065, that's an increase of about 10.23% in just one year!
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal injuries caused by a hit and run driver or an uninsured motorist. This coverage basically replaces the insurance the other driver should have bought but did not.
Most people believe all louisiana auto insurance rates are fixed by louisiana automobile insurance companies and state regulatory agencies, but in reality discounted and competitive louisiana car insurance rates are available in Louisiana.
When calculating your louisiana automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your louisiana auto insurance. Other factors include age, gender and marital status. Finally, the county you live in will also affect the cost of your louisiana auto insurance rate as well as the driving record of any family members covered under your louisiana auto insurance policy.
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