What are the different types of auto insurance coverage in Lafayette?

Lafayette, LA – Each driver can purchase an auto insurance policy that is appropriate based on their driving habits and coverage needs. Certain types of coverage are optional, while all drivers must have some kind of basic liability insurance if they want to drive legally. Louisiana, like most other states, only legally requires liability coverage for bodily injury and property damage. This is because of the government’s interest in protecting life and property, but not necessarily protecting a person’s personal investment in their car.

Lawsuits are also a common part of the process following a car crash, as victims may need larger amounts than their insurance policy will cover. 

Liability coverage

If a driver causes injuries to another person or property damage during their accident, they will be covered up to several thousand dollars worth of damage. This is the main type of insurance that most drivers purchase because it is necessary in order to drive. Coverage amounts will usually range between ten and twenty five thousand dollars of liability protection for standard policies.  

Collision insurance

Collision insurance that pays the owner of the car for vehicle damage and repairs is generally only required if the car is subject to a lien or financed by a loan from a bank. If the driver does not purchase collision insurance, then they will have to pay for all repairs on their own without the help of an insurance company. Even if a driver has collision insurance, they will usually have to pay for several hundred dollars worth of repairs before the insurance company will help.

Comprehensive coverage for a car

This is an optional part of an insurance policy that protects a car from damage by something other than a car crash. Different providers have slightly different types of comprehensive policies, but they usually cover losses from crime, theft, vandalism, bad weather, and other less common sources of damage. Damage from animals and pest issues is usually covered under a comprehensive policy as well, as this is not considered normal accident damage. Despite the additional costs of comprehensive   

Lawsuits against negligent drivers

Drivers are regularly sued for causing accidents and property damage, whether they have sufficient coverage or not. When someone is seriously hurt and cannot work as normal, a lawsuit based on the events of the car accident is often the only way that the person can receive enough money to cover their medical bills and lost income. 

Legal help in Louisiana

Meeting with a local attorney is the most important step for accident victims who need financial help. Miller, Hampton, and Hilgendorf help clients in Lafayette with the process to receive compensation through a personal injury lawsuit. 

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806

225-343-2205

www.mlhlaw.com