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Auto Insurance

Every time you take your car, van, truck, or SUV out on the road, you’re placing a lot of trust in yourself and other factors. Trust in your car to take you to your destination safely. Trust in yourself to operate the car. Trust in other people on the road to follow the law and stay safe. Even trust in the weather to give you favorable conditions. That’s a lot of trust, and unfortunately, sometimes things go wrong. Clearwater Insurance LLC has the perfect auto insurance policy to keep Louisiana drivers covered when something does go wrong.

Louisiana Auto Insurance Requirements

In the state of Louisiana, there are some minimums you must have for car insurance:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $25,000 for property damage

These above numbers are minimums, and they represent liability insurance. This covers you when paying out to other people if you're in an accident and it's your fault.

In addition to this minimum liability insurance, there are other types of auto insurance you should consider. Sometimes the accident isn't your fault, and sometimes things happen that are just out of your control.

  • Collision coverage will help you pay for your car if an accident is your fault.
  • Comprehensive coverage is for damages out of your control, like a fire or an act of nature.
  • Uninsured motorist coverage is there to cover damages if you get in an accident with someone who doesn't have insurance.
  • Medical payments coverage is for medical bills and funeral expenses, in the unfortunate event those are needed. This coverage will pay for these expenses no matter who caused the accident.

There is a lot to think about when choosing your auto insurance and it can be helpful to have somebody talk you through the options. Talk to an insurance agent at Clearwater Insurance LLC today to figure out what type of coverage is the best for you.

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