Auto Insurance for All Life’s Unexpected Events

Hand holding car covered by auto insuranceAuto insurance is one of the most important types of protection you and your family can keep in your daily lives. Auto insurance is not a one-size-fits-all proposition. At Lozes Insurance Agency, our experienced agents work closely with clients to ensure that they find the right coverage for their family’s needs and within their family’s budget. Working with a local auto insurance agent can mean all the difference while you shop insurance and, more importantly, in the unexpected event that you must file a claim. Lozes Insurance Agency is here to answer your questions and provide a fast quote.  Whether you live in Mandeville, Covington, Slidell, New Orleans, Baton Rouge or beyond, contact Lozes Insurance Agency today to discuss your automobile insurance.

The Basics of Auto Insurance

An auto insurance policy offers various coverage protections for you and your vehicle.  Limits of coverage can vary as well. Lozes Insurance Agency’s agents can review each of these coverage protections and offer advice as to the coverage and limits which best fit your needs.  Here are seven important coverage protections auto insurance offers.

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Liability Coverage

Family holding hands surrounded by heart shape covered by auto insurance Liability coverage is the auto insurance that you are required to maintain if you want to drive legally in the state of Louisiana (and anywhere else in the U.S.). Liability coverage helps protect your assets by covering the cost of damages for bodily injury or property damage in an accident for which you are found responsible. It can also help cover your legal fees if you are sued for injury or damage.  All vehicles on the policy have the same liability limits. Louisiana’s minimum automobile liability limits are $15,000/$30,000/$25,000.  Higher limits are available and more often than not are necessary. Lozes Insurance Agency can help you decide on the appropriate limits for you.

Uninsured and Underinsured Motorist Coverage

Louisiana requires that all auto liability insurance policies have uninsured/underinsured motorist (UM) coverage equal to the policy’s bodily injury limits unless the insured in writing either rejects uninsured motorist coverage, or selects limits less than the policy’s bodily injury limits.  Lozes Insurance Agency recommends this valuable coverage since minimal liability insurance coverage may not cover substantial damage or injury, and many drivers in Louisiana operate vehicles without insurance at all.  All vehicles on the policy will have the same UM limits. Uninsured and underinsured motorist coverage is a smart and affordable coverage offering you extra protection when someone else’s insurance doesn’t make you whole.

Collision Coverage

Collision coverage is an optional coverage which helps pay for claims in which your vehicle is damaged in an accident regardless of fault.  Collision coverage insures you for accidents with other vehicles and in collisions with objects such as a guard rail or cement wall.  Collision coverage is subject to a deductible.

Comprehensive Coverage

Comprehensive coverage is also an optional coverage which covers damage and loss to your vehicle caused by unexpected events like weather-related damage or for theft or burglary. Comprehensive coverage pays for damage caused by events that aren’t covered through collision coverage.  Comprehensive coverage is usually subject to a deductible.

Medical Payments Coverage

Medical payments insurance is optional as well covers medical costs for your injuries and injury to your passengers in an accident for which you or another driver is at fault. This is one of the smartest types of auto insurance to consider, as it can assist with astronomical medical bills caused in an auto accident, up to your limits.

Loss of Use

Rental reimbursement is an optional coverage that is available in those situations where your vehicle is disabled due to a covered loss.  Limits are generally a daily limit for a set period of time, usually 30 days.

Roadside Assistance

You get peace of mind with roadside assistance.  Coverage varies from insurer to insurer but may include towing, tire changing, fuel delivery or more.  Roadside assistance is a valuable coverage offered for just pennies a day.

Your Partner Throughout the Life of Your Policy

Lozes Insurance Agency cares about you and your family. We do the work to help you shop major insurance carriers with competitive rates in our area.  We listen to you regarding the type of coverage you want and offer advice as to the type of coverage you may need.  Our agents will help you find a policy in your price range.

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