With many teenagers head off to college, parents often have concerns over their car insurance in Lake Charles Louisiana. We attempt to answer several common questions about your car insurance in Lake Charles Louisiana and your out of state college student below.
Question 1. Will your college student be covered when they attend an out-of state-college?
Answer: Unless your child is planning a permanent move to the other state, most insurers will not require you to make a change, but it is a good idea to check with your agent just in case changes in policy coverage are needed.
Question 2. Is there a way to shop insurance without contacting multiple companies?
Answer: Try looking for a local company that writes for multiple companies. By doing this, you can give your information to one agent and allow them to shop their multiple carriers.
Question 3. If you let another person drive your car and they are involved in an accident, will your car insurance in Lake Charles Louisiana cover the accident?
Answer: Most insurers will cover an accident as long as the person had your permission to drive the car and has a valid driver’s license. There are exceptions to accident coverage, always check with your agent if you are concerned. A couple of notable exceptions are the living arrangement - whether the person you loan the car to uses it regularly, and your choice in car insurance coverage.
Louisiana law requires liability coverage on all cars driven.
Liability covers property damage or personal injury that you can be held liable for, up to your chosen policy’s limits. Louisiana state law requires vehicles to have a minimum of 15/30/25 liability limits.
Those numbers represent coverage of $15,000 payment for bodily injury per person, with a $30,000 maximum for bodily injury per accident, and $25,000 of coverage for damage to the other vehicle or property.
What Liability insurance covers.
Liability insurance protects bodily injury or property damage caused by the driver of your car, whether it is you, a family member, or friend driving your car/truck/motorcycle with your permission. You and those listed on your policy may also be covered when driving another person’s car/truck/motorcycle including rental or personal passenger vehicles. If you drive a non-owned car or company car regularly, your personal car insurance will not cover an accident or incident.
Medical payments coverage reimburses for medical expenses derived from an accident up to a designated period, up to your chosen policy’s limits. Medical payments coverage can include, God forbid, funeral expenses. These medical payments are made irrespective of who is responsible for the accident. Medical payments cover you, family members, and passengers in your car at the time of the accident.
Something to consider whether sending your child off to college or not, is adding Uninsured/Underinsured Motorist coverage. UIUM pays benefits to if your car/truck/motorcycle is hit by a driver who with no insurance or has too little insurance to cover the cost of your injuries or property damage from the accident.
Do you still have question about your car insurance in Lake Charles Louisiana? Call Kelly Lee Insurance and allow one of our knowledgeable agents to answer your questions
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