From January to November of 2022, Louisiana had over 768 automobile accidents. As of 2023, around 11.7% of motorists in Louisiana don’t have auto insurance.
Without auto insurance, being at fault in a motor accident can become a lot more costly.
What is Auto Insurance?
Auto insurance is an insurance plan that can protect your finances and financial loss if you are involved in a motor vehicle accident.
With an auto insurance policy you agree to pay the premium and the insurance company agrees to pay your losses, as defined in your policy.
What Types of Coverage Can I Get?
Auto insurance provides property, liability, and medical coverage under it.
Property coverage helps to pay for any damages to your car such as fallen trees, car accidents, hit-and-runs, etc. It also assists with costs if your car is stolen.
Liability coverage comes into play when you are held legally responsible for bodily injury of others or property damage. So if you are at fault in a car accident, liability coverage can assist with the costs of damages, repairs, and so forth.
Medical coverage can pay for the costs of treating injuries sustained in an accident involving your vehicle, rehabilitation, and occasionally lost wages or funeral expenses. Therefore, if you are injured in an accident medical coverage can cover the medical bills.
The Importance of Car Insurance
Besides most states requiring some form of auto insurance, it can ultimately assist you with protecting your finances. Oftentimes if your car is stolen or damaged, the result can end up being costly.
Rather than having to pay out of pocket for damages or repairs, you can receive assistance with the costs. Medical bills for injuries sustained from car accidents can be very expensive. With medical coverage under auto insurance and depending on your policy, the bill could be lowered significantly.
When considering purchasing a new policy or plan it is important to figure out which plan is best suited to your needs, expenses, and requirements. At Henry Insurance, we want to work alongside you to help you find the insurance plan that fits your desired/specified needs.
So don’t be a crash dummy, make the right decision and protect yourself with auto insurance. Call us at (225) 927-0451, or visit the personal insurance section of our website to get a quote today!
