In Case of an Accident in New Orleans <\/h2>\n\n\n\n
In case you have an accident that is your fault, you will need car insurance<\/a>. Liability insurance coverage includes two parts: property damage (the damage to the other person\u2019s car) and bodily injury (any medical costs that result for anyone in the other vehicle as a result of the accident). <\/p>\n\n\n\n Without liability insurance, you can end up having to pay every red cent of this (which can go into the thousands in the blink of an eye) yourself. Collision insurance<\/a> covers damage to your car that is not caused by someone else. Collision insurance is optional unless you are still making payments on your car. It is typically required if you still have a lease or loan against your car so that your creditor would not be out the car\u2019s value in case of an accident. Liability insurance is required by law. <\/p>\n\n\n\n Louisiana law<\/a> sets forth the following amounts as the minimum allowed for auto insurance liability coverage: <\/p>\n\n\n\n This state-required minimum coverage is often referred to as a \u201c15\/30\/25 Policy.\u201d <\/p>\n\n\n\n One of the advantages of having car insurance is that it protects you from uninsured drivers. For example, if another car rear-ends your car, it is typically their fault. If no one is hurt and they are fully insured, the two of you are just dealing with an inconvenience. But what if they don\u2019t have insurance? You don\u2019t want to be stuck with a car that won\u2019t run because someone else hit you and they weren\u2019t insured. <\/p>\n\n\n\n By having liability insurance on your vehicle in the state of Louisiana, you automatically purchase uninsured motorist coverage. This coverage equals the amount of liability protection you can buy unless you request a lower limit. Also, if you do not wish to purchase uninsured motorist coverage, you must opt-out in writing. <\/p>\n\n\n\n Did we mention that there are many uninsured drivers in New Orleans? This can provide you with peace of mind when you are out on the road practicing your defensive driving skills<\/a> and hoping that it will be enough to keep you safe. <\/p>\n\n\n\n Good insurance agencies have stayed committed to New Orleans and Louisiana residents through thick and thin and thick again. In the days following hurricanes Katrina and Rita, some insurance agencies waived fees, modified payment plans, and prevented cancellation and expiration of coverages for policyholders well before any requirement from regulators. <\/p>\n\n\n\n Make sure to talk to an insurance advisor<\/a> who knows New Orleans well when you are looking for auto insurance coverage. Check that your insurance agency has locations<\/a> throughout New Orleans, Louisiana, and Alabama. <\/p>\n\n\n\n Don\u2019t you hate getting pulled over? Even if you haven\u2019t done anything wrong, there is that unpleasant feeling in the pit of your stomach. And if you don\u2019t have car insurance, unfortunately, you have more reasons to worry. Whether it\u2019s for a broken taillight, going a bit too fast, or for any other reason, you\u2019ll need to provide your valid driver\u2019s license and proof of insurance. <\/p>\n\n\n\n At best, not having insurance will cost you more money in tickets and penalties. At worst, you could find yourself with your car towed, too. Protect yourself by having car insurance. We\u2019ve worked with thousands of drivers looking for cheap car insurance, needing a good deal<\/a>, and who may have a less than perfect driving record<\/a>. If you are already insured, we may be able to get you a better deal. And if you are going without insurance right now in New Orleans, we can help you to get back on the road with the peace of mind you deserve to have. <\/p>\n\n\n\n Yes, just a simple trip to the DMV requires proof of car insurance. If you are getting your driver\u2019s license renewed or getting your car registered, or renewing registration, you will have to show proof of insurance. If your car insurance coverage lapses or expires, your license will be automatically flagged with the state. Louisiana can also fine you for lack of coverage. No one likes going to the DMV, but once you have car insurance, all you will have to worry about is scheduling time off from work or school, finding childcare if necessary, and then dealing with those ridiculously long lines. <\/p>\n\n\n\n If you are looking for cheap car insurance in New Orleans, Lafayette, Baton Rouge, or any other Louisiana or Alabama location, visit us for a quick quote online<\/a>, stop by one of our convenient locations<\/a> or give us a call at 800-420-3712<\/a>. <\/p>\n\n\n\nProtection from Uninsured Drivers in New Orleans <\/h2>\n\n\n\n
Did Someone Say Flooding? <\/h2>\n\n\n\n
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<\/figure><\/div>\n\n\n\nGetting Pulled Over <\/h2>\n\n\n\n
Going to the DMV <\/h2>\n\n\n\n