Car Insurance FAQs - Lake Charles, Louisiana
Most people understand why they need car insurance in Lake Charles La, but frequently they don't know the coverage they have or what it covers. We hope to clear up a few frequently asked questions below.
Does my car insurance cover hail damage?
Most car insurance policies will pay to have hail damage repaired; you will be responsible for your policy deductible. A full coverage - comprehensive policy will pay repair costs for dents caused by hail, broken windshields, and interior damage caused by water intrusion.
Does my car insurance cover pothole damage?
While the collision portion of your car insurance policy covers damage caused by potholes, typical wear and tear of tires are not covered.
Windshield damage?
Policies differ with respect to windshield repair and replacement; check with your agent to ensure your policy has full glass coverage.
Does my car insurance cover tree or limb damage?
If a tree or branch falls on your automobile, most comprehensive policies cover repair as long the damage does not exceed your car's value, then will usually cover replacement at the current market value of your vehicle.
Does my car insurance cover collision with animals?
Car accident damage that involves animals is typically covered, as long as you carry comprehensive coverage.
Does my car insurance cover squirrel chewing damage?
Squirrel damage is a thing. Squirrels have been known to chew car wiring, and provided you carry comprehensive coverage; your policy can help with repairs.
Does my car insurance cover hit-and-run accidents?
The collision portion of your auto insurance helps protect you if your car has been damaged in a hit-and-run accident. Uninsured and underinsured motorist coverage and medical payments coverage can help cover your medical bills after a hit-and-run.
Does my car insurance cover my car's catalytic converter theft?
A comprehensive car insurance policy usually covers auto parts theft.
What if my car is stolen?
If your auto has been stolen, a comprehensive auto policy typically covers the loss of your vehicle at current market value, up to the limits of your policy. You must file a stolen car report with the authorities and then notify your insurance company.
Does my car insurance cover a friend wrecking my car?
If you carry comprehensive coverage and loan your vehicle to a friend or ask your friend to drive your car and your friend is involved in an accident, it is your car insurance policy that will be activated, not theirs. Most comprehensive coverage policies will cover the accident up to your policy limits.
Be aware that the coverage you receive for the incidents mentioned above are all subject to your policy limits and deductibles. Your policy will only kick in after you have met the deductible you decided on when signing your insurance policy and only up to the policy limits you chose.
Still have questions about your car insurance in Lake Charles La? Feel free to reach out to one of our car insurance specialist at Kelly lee Insurance 337.656.2890.
Most car insurance policies will pay to have hail damage repaired; you will be responsible for your policy deductible. A full coverage - comprehensive policy will pay repair costs for dents caused by hail, broken windshields, and interior damage caused by water intrusion.
Does my car insurance cover pothole damage?
While the collision portion of your car insurance policy covers damage caused by potholes, typical wear and tear of tires are not covered.
Windshield damage?
Policies differ with respect to windshield repair and replacement; check with your agent to ensure your policy has full glass coverage.
Does my car insurance cover tree or limb damage?
If a tree or branch falls on your automobile, most comprehensive policies cover repair as long the damage does not exceed your car's value, then will usually cover replacement at the current market value of your vehicle.
Does my car insurance cover collision with animals?
Car accident damage that involves animals is typically covered, as long as you carry comprehensive coverage.
Does my car insurance cover squirrel chewing damage?
Squirrel damage is a thing. Squirrels have been known to chew car wiring, and provided you carry comprehensive coverage; your policy can help with repairs.
Does my car insurance cover hit-and-run accidents?
The collision portion of your auto insurance helps protect you if your car has been damaged in a hit-and-run accident. Uninsured and underinsured motorist coverage and medical payments coverage can help cover your medical bills after a hit-and-run.
Does my car insurance cover my car's catalytic converter theft?
A comprehensive car insurance policy usually covers auto parts theft.
What if my car is stolen?
If your auto has been stolen, a comprehensive auto policy typically covers the loss of your vehicle at current market value, up to the limits of your policy. You must file a stolen car report with the authorities and then notify your insurance company.
Does my car insurance cover a friend wrecking my car?
If you carry comprehensive coverage and loan your vehicle to a friend or ask your friend to drive your car and your friend is involved in an accident, it is your car insurance policy that will be activated, not theirs. Most comprehensive coverage policies will cover the accident up to your policy limits.
Be aware that the coverage you receive for the incidents mentioned above are all subject to your policy limits and deductibles. Your policy will only kick in after you have met the deductible you decided on when signing your insurance policy and only up to the policy limits you chose.
Still have questions about your car insurance in Lake Charles La? Feel free to reach out to one of our car insurance specialist at Kelly lee Insurance 337.656.2890.