Hammond: (985) 542-4675
Lake Charles: (337) 217-3225

Auto Insurance

Buying auto insurance doesn’t have to be complicated with the understanding of some of the common terms found on the average policy.  Some coverages may be mandatory, while others are optional.  Typically, liability coverage may be required in your state. The most common liability is known as:

Bodily Injury Liability Coverage (BI)

If an insured person is legally liable for an accident, BI coverage pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued.

Property Damage Liability Coverage (PD)

If an insured person is legally liable for an accident, PD coverage pays for damage to others' property resulting from the accident. PD also pays for legal defense costs if you are sued.

The following coverages are generally considered optional, however if your vehicle is financed the lender may require you to carry them.

Comprehensive Coverage

If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable.

Collision Coverage

When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating.

You may also be afforded coverage when the other party is at fault and not carrying sufficient coverage for your injuries and/or damages.

Uninsured Motorist Coverage (UIM)

If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select.

Uninsured/Underinsured Motorist Property Damage Coverage (UMPD)

If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage.

Additionally, you can add enhancements to your policy such as those below:

Rental Reimbursement Coverage

Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased.

Roadside Assistance Coverage

Roadside Assistance provides services such as towing, flat tire change, locksmith service and battery jump-start to customers, who can elect the service for an additional premium if it is not already included with their insurance policy.

In addition to the coverages listed above, many insurance companies offer discounts for things such as: being Continuously Insured or Driver Improvement Courses.

"Full coverage" is a common term that people use to describe how much auto insurance coverage they have. Though there is no such thing as "full coverage," it often implies that the policy has more than just Liability coverage.

Simply fill out our convenient quote form and we will contact you to discuss Auto Insurance coverage that serves your needs.