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.
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?
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.