Workers comp insurance Louisiana covers traumatic injuries or any other illness that is faced during the period of employment. Louisiana workers compensation death benefits can be availed by employees across a wide range of industries and occupations. The major incidents witnessed as work-related injuries or diseases are as follows:
All in all, Louisiana workers comp insurance provides support and a degree of financial relief to the employees by providing the following benefits:
The workers comp insurance Louisiana offers pays for all costs for medical treatment that the employee had to incur due to the work injury or illness. The payments include hospital bills, medicines, medical equipment, doctor’s consultation, etc. Majority of the time, the amount spent on traveling to hospital and for regular visits with the doctor are also reimbursed.
Due to the injury or illness, many employees have to stay at home or get admitted to the hospital, because of which they miss work. This can cause a loss of salary or regular wages. However, Louisiana workers comp insurance can help the employee here, the injured or unwell employee receives earning benefits until the time he has recovered, or to the point he can resume working.
Permanent total disability benefits
In case the employee is permanently disabled, he or she can avail two-thirds of the regular wages during the entire period of disability. However, this is only applicable in case of severe injury or loss of arms, eyes, legs, hands or feet.
If a work injury or illness causes the death of an employee, Louisiana workers compensation death benefits can be availed by the deceased’s family members. This includes payment for medical bills, funeral expenses and other loss that the family has to bear.
How to claim worker’s compensation insurance?
While it might seem that one call can sort all your claims with the insurance, that is not what the scene is in reality. There are many hurdles along the way to availing the benefits and claiming your worker’s compensation insurance. Often, the claim can be denied or terminated and the helpless employee can not do anything about it, especially in the case where he or she is injured or unwell— and this can make it impossible to go to court meetings.
That is why it is important to contact an attorney to avail Louisiana workers compensation death benefits for yourself and your family. But if you want even more smooth experience, Kelly Lee Insurance is the place to secure worker’s comp insurance. Their professionalism and expertise can help you navigate your insurance claim.
More about Kelly Lee Insurance
As every state has different rules for worker’s compensation, here in Louisiana, the insurance is mandatory even if the employer has just one employee. This includes all categories of employees, whether full-time or part-time, on salary or wages. Kelly Lee Insurance, Louisiana workers comp insurance companies help manage all your risks. The independent agency has over 50 independent insurance carriers and offers all coverages at your convenience and affordability
Give them a call Monday-Friday 8 a.m. to 5 p.m. at (337) 656-2890 or write to us at email@example.com to know more details.
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Have you ever questioned why your auto insurance premium varies from what your friends and family members pay?
One explanation is car insurance policies are not one-size-fits-all. Factors like your driving history, how often and far you drive and where you live affect the cost of your auto insurance. Below are some of the leading factors that impact your auto insurance premium.
Your Personal Information and Driving History
Your gender, age, marital status, and whether you own a home all play a part in auto insurance premiums:
Credit History & Driving Record
Your credit history and driving record are two of the most impactful factors insurers consider when determining your premium. A safe driver with good credit tends to pay less than their counterparts. While a recent accident or infraction (such as a speeding ticket) on your driving record will cause an increase in your premium, the effects of past events will eventually decrease with time.
Age of Driver
Persons under the age of 25 have a greater risk of driving infractions and accidents than older drivers, which leads to higher insurance rates.
Gender is also a contributing factor to higher car insurance premiums. Statistically, a single man under 25 years of age has a greater risk of being involved in an accident and driving violations than their female equivalents.
Owning a home and being married indicates responsibility and stability. This tends to lead insurers to believe you are less likely to engage in high-risk driving behavior and more likely to keep up with payments.
Type of Vehicle
There are a few vehicle considerations that can affect your insurance premium costs:
The National Highway Traffic Safety Administration conducts safety tests yearly and rates new model vehicles on crash test safety and performance results. If the vehicle you are insuring has a below-average safety rating, you’ll more than likely pay more to insure it.
Maintenance Costs and Repairs
Unreliable vehicles, known as expensive to maintain and repair tend to have higher insurance premiums.
Make and Model
Vehicles depicted as dangerous or luxurious frequently have higher auto insurance premiums, usually because they are disposed to occupant injury, damage, or theft. If your vehicle is deemed higher risk of theft or vandalism, investing in a tracking or anti-theft device could lower your premium. While installing an anti-theft device may seem expensive initially, in the long run, it could save you money.
Urban living versus living in rural area can make a substantial difference in your auto insurance premiums. Generally, urban areas cause your premium to increase because more densely populated locations tend to have greater occurrences of theft, vandalism and auto accidents.
Where your vehicle is parked or stored can also affect your premium. Vehicles parked in garages are at a lower risk of theft and damage than those parked on the streets.
The way your broker helps you craft your insurance policy also determines your premium costs.
The following policy items have the greatest impact on your premiums:
Ways to Save on Insurance Premiums
Being a safe driver, have a clean driving record, being a good student, and bundling your auto policy with your other insurance needs (such as homeowners insurance) are all ways that you could receive discounts on your auto insurance. Discounts vary by insurance companies, but most reputable insurers offer these and possibly other incentives to their customers.
If you have questions or want a detailed breakdown of your car insurance in Louisiana, contact our Lake Charles Insurance professionals at (337) 656-0707.
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