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Hours of Operation:

Monday – Thursday, 9 a.m. – 5 p.m.
Friday, 9 a.m -- 3 p.m.


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100 Menetre Drive

Covington, LA  70433

(Corner of Menetre & W 21st Ave)

Local:  985-845-0016

Toll Free:  888-673-6102

Fax:  866-424-1115


Auto Insurance

Every day we're bombarded with TV commercials telling us how we can save money on auto insurance. How can that be? The truth about car insurance is that, just like anything else, cheapest doesn't always mean best. Some auto insurance companies only do business over the Internet or through toll-free telephone numbers. Does this really offer you the best service? What about those companies that claim to offer "accident forgiveness"? What they don't tell you in the commercial is that you may have to pay extra to get "accident forgiveness" and other policy perks. We'll give you the truth about auto insurance coverage, because we're always looking out for you. As always, read your policy for complete and accurate definitions or consult with your agent.

Auto Insurance

Auto Insurance Terms

Have you ever wondered what the various auto insurance terms mean?
Here are some common auto insurance coverage definitions that may help you when shopping.

Liability Coverage
This coverage protects you or anyone driving your car with your permission. In the event of an accident, you can be held legally liable for the other partie's bodily injury or property damage. This coverage pays up to the limit specified in your policy. It even pays for your legal representation whether or not you're found to be at fault.

Uninsured Motorist Coverage
Uninsured motorist coverage pays for bodily injury to you or your passengers if you're involved in an accident with an uninsured or underinsured motorist and the accident is their fault. While this coverage is not required by law in Louisiana, you will be required to sign a waiver if you choose not to purchase it.

Collision Coverage
Relax! You have collision coverage to pay for repairs or replacement of your vehicle after a collision. Did you know that collision with an animal is paid for under comprehensive coverage?

Comprehensive Coverage
This coverage pays for repair or replacement of your vehicle in the event of theft or damage caused by something other than a collision. Some common perils that fall under comprehensive coverage are: vandalism, theft, flood, fire, and damage from falling trees or tree limbs.

Rental Car Coverage
Pays for a rental car while your car is in the shop for repairs due to a covered peril. This coverage is not designed to cover the cost of a rental car if your car is in the shop for mechanical breakdown. However, if your car is wrecked or stolen, this coverage will pay for a rental car, usually up to 30 days. Most companies require that you purchase collision coverage in order to get rental car coverage.

Deductibles represent the amount that you're responsible for in the event of a claim. For example, if your car valued at $15,000 is stolen and you have a $1,000 comprehensive deductible, your reimbursement would be $14,000.

Free Pet Injury Coverage

At River Oaks Insurance, we didn't forget about your best friend.  Pet Injury coverage comes complimentary with Progressive Collision coverage, and if your dog or cat is injured in an accident while riding with you, Progressive will pay up to $1000 to help with veterinary bills and medicine.

Call us today at (888) 673-6102 for the best in auto insurance.