Louisiana Car Insurance Quotes

Louisiana state law requires minimum coverage of:

• $10,000 for bodily injury or death to one person.
• $20,000 total per accident for bodily injury or death.
• $10,000 for damage to property.

There are exclusions to liability coverage that you should be aware of such as intentionally inflicting bodily injury. Read your policy and talk with your producer if you have questions about any liability exclusions in your policy.

A third part of an automobile insurance policy is the medical payments or Personal Injury Protection (PIP). PIP will cover treatment of injuries to the driver and passengers of the policyholder's vehicle.

Physical damage to your vehicle, known as Collision and Comprehensive, is covered by the fourth and fifth parts of a policy. Collision coverage will protect your car if it is damaged from some type of crash, whether with another vehicle, a light post or some other object.

Comprehensive coverage, on the other hand, covers accidental damage to your car that does not involve a collision, such as fire, theft, falling objects and flooding. Generally, both collision and comprehensive are required if you finance your vehicle.