en you own an automobile, you must carry auto insurance according to state law. Auto insurance is essential to protecting yours and other drivers investment. Each states laws will vary on the amount of coverage that they will require you to have but make no mistake, every state requires you to have automobile insurance for you to operate a vehicle on the roads legally. If you are caught driving without insurance in Louisiana, you can your license plates canceled, registration suspended, your automobile impounded and likely pay a fine of $500 or more, not to mention the fees to have your registration reinstate. Tickets for these violations, if not paid, can turn into warrants that can land you in jail.
If you get more than one ticket for lack of insurance, the state where you reside can and usually will suspend your license for a state law provided period. When they do give you your license back, you'll usually incur additional fees for the next three years to keep your license. States are taking the uninsured driver problem increasingly more serious due to the number of individuals driving without it and wrecking into other motorists. The problem is such that many insured drivers are forced to carry uninsured motorist coverage on their policy. This type of coverage will cover damages caused by someone who doesn’t have insurance. Essentially forcing a responsible driver to cover irresponsible citizens choice through increased premiums.
Finding affordable auto insurance Louisiana is easy as long as you do your homework and research the companies that offer insurance. You will see many advertisements from auto insurance companies in Louisiana and some of them will advertise extremely low prices. While the lowest premiums possible may sound good at first, you may find that these companies are unethical, taking your money every month, but when you attempt to file a claim, they deny it leaving you in responsible for the damages.
The government closely monitors auto insurance companies in Louisiana, so before you switch insurance companies, you might want to check and see if there are any complaints against the company. Also, be aware that most of these companies that advertise low priced insurance are quoting only liability coverage. If you are still making payments to a finance company on your vehicle, then you must have full coverage to satisfy your finance requirements and terms of your loan agreement. Full coverage insures that the vehicle will be properly restored to working condition, allowing you to make it to work so you can continue paying the finance company.
It’s always a good idea to choose an insurance company that has been in business for many years and is one of the five major auto insurance providers. Your insurance company should offer twenty-four-hour customer service, a fully functional and interactive website and reputable claims adjusters.
Having the right coverage when an accident occurs could make or break you. If you don’t have the right insurance coverage and you are involved in an accident, then you could find yourself in a really bad financial situation with no car and unable to get to work. Things can go downhill very quickly in a situation like this, so it’s well worth your time, effort and money to make sure that you have the right automobile coverage.
If you own a business, then you will definitely want to consider the benefits of commercial auto or truck insurance. Ac ommercial auto insurance Louisiana quote will take just take a few minutes of your time to complete, but once completed, you will have appropriate coverage for your company vehicles. Commercial truck insurance is important to have so that you can protect your business and ensure it remains in business for many years to come.
Commercial Auto Insurance in Louisiana, Auto Insurance in Louisiana, Insurance in Louisiana
Discussing Motorcycle Insurance As A Necessity
Some may think owning a motorcycle is easy, but what many do not realize is that this mode of transport requires almost the exact same requirements as a car, and included in the list of things to do, is the need for insurance.
How Does Motorcycle Insurance Work
According to the Bureau of Statistical Information, the United States has over 885,000 motorcycles on the road in 2007, and it can be safe to deduce that this number has increased over the years. The laws regulating motorcycle use, age, licensing, and training do vary, but the main thing to keep in mind is that insurance is a major factor that cannot be ignored.
Before purchasing a motorbike, most riders are encouraged to take part in a motorcycle safety course upon which they receive a certificate. This often works to lower their premiums as many companies offer large discounts upon presentation of this certificate. Other discounts may depend on age, including insurance companies that offer more competitive rates to riders over the age of 50, while others specialize in ensuring younger riders. To get the best motorcycle insurance Lake Charles insurance companies have to offer means understanding the options available by exploring the coverage options available.
Types of motorcycle insurance Lake Charles companies sell
Liability insurance is the most basic form which normally covers the bodily injury and possible damage that may be caused to the property of a 3rd party. This does not cover the rider, but rather focuses on the other party with whom the rider may have collided with. It may also cover injury to a passenger rider, depending on the insurance company and laws of the area within which such an accident may happen.
Motorcycle Collision Insurance covers the damage to the motorbike upon collision with another vehicle, which means the company will usually pay for damages amounting to the book value amount of the bike minus deductibles.
Comprehensive Coverage in contrast with the above Motorcycle Collision Insurance pays for damages caused by anything other than a collision with another vehicle, such as theft, fire, or vandalism, covering the book value of the bike.
Personal Injury Protection which pays for the medical bills of the rider, passenger, and pedestrians who may be involved in an accident. This is usually offered on as an ‘add-on’ and may not necessarily be available across the country.
There are other disclaimers and additions to this insurance coverage such as Coverage for Customized Parts which will compel a insurer to pay for more than the standard factory parts that a motorcycle comes with. There is also the Uninsured/Underinsured motorist coverage which would pay for personal injury caused or damage to property by another driver who does not have insurance and usually covers medical treatment and lost wages.
Factors Determining Motorcycle Insurance Costs
There are a number of things that may make one individual be liable to pay more insurance costs than another, and these include:
- The age of the driver
- The driving record of the driver
- The area within which the driver lives
- The age of the motorcycle
- The number of miles the driver rides in a year
- The storage of the bike
These are just a few of the factors that contribute to the premiums involved in purchasing motorcycle insurance.
In conclusion, having motorcycle insurance is beneficial for both the rider and those in their environs. It protects owners from having to face major costs after an accident that could be financially devastating. Most states in the U.S require proof of insurance before registering a motorcycle and getting a license plate, meaning insurance is a solution that may keep one from ending up in the dirt.
Motorcycle Insurance - Bike Insurance - Dirt Bike Insurance - Off Road Bike Insurance - Lake Chalres, La
Taking Responsibility? Here’s Why You Should Keep Car Insurance
There are several reasons why car insurance is a necessity and not an option for drivers. To begin with, car insurance is a legal requirement in the District of Columbia and most of the 50 states. However, there are drivers who would rather drive without car insurance, and this would be a costly mistake. Please note, that it would only take one accident for you to become indebted thousands or even tens of thousands of dollars.
Coverage In Louisiana
Let's talk about driving in Louisiana without having car insurance. First, opting not to have car insurance will most likely result in heavy fines. If pulled over, you could also have your license suspended or your car can be impounded. If you opt out of carrying car insurance in Lake Charles, the state has a “no pay, no play” law which means that even if the other driver is at fault in an accident, you can not collect financial loss. These are just a few examples of how much you stand to lose if you do not carry car insurance.
But, much of these costs can be eliminated by a cost effective car insurance policy. In Louisiana, drivers are under an “at-fault” system meaning that the person who is at fault in a car accident is the driver that will be responsible for all financial costs, including vehicle damages, medical expenses from injuries incurred in the accident, lost income, and possibly more.
Collision and Comprehensive Coverage
In general, as a car owner, you should have collision and comprehensive coverage as part of your auto insurance policy. Comprehensive coverage helps to pay for repairs whether damage was caused by a car accident or in the unfortunate event a tree fell on it. This coverage also helps with a replacement if your car is stolen. Collision insurance coverage will repair your car if you are hit by another driver or by an object.
Taking a chance by not having collision or comprehensive coverage is going to render you a large financial loss. Keep in mind that most financial institutions and leasing companies will require you to purchase and maintain comprehensive and collision. .
Below are 3 reasons why car insurance is a necessity and not an option:
1.Car Insurance Supports Your Health Insurance
If you're injured in a car accident your insurance offers coverages for injuries that you experience as a driver. Car insurance can pay for unfortunate injuries from a car accident that most health insurances do not cover, i.e., care for accident-related dental care, or funeral expenses. Additional medical expenses related to an automobile accident that is provided under your car insurance policy's medical payments coverage can include:
* EMT charges
* coverage for hospital and doctor visits
* nursing services and medical care
* rehabilitation care
* surgical procedures
Coverage also pays for the medical treatment of injuries to passengers and to help recover any financial compensation. Medical expense claims for car accidents total more than $277 billion each year.
2.Car Insurance Provides Legal Protection
Even if you have car insurance you can still be sued for damages, especially if you are at fault. There is nothing to stop the other driver from suing you after an accident even if they are in the wrong. For experienced assistance purchasing car insurance in Lake Charles, Kelly Lee Insurance is your go to resource in the state of Louisiana.
Liability insurance or bodily injury liability can cover your court costs, while property damage liability covers damages to another person's property. Liability coverage can help settle lawsuits brought against you, including providing a lawyer to represent you.
3.Car Insurance Provides Protection From Acts Of God
There have been 56 hurricanes hit the Louisiana coast since the year 1851. This equates to a storm occurring every three years. With winds, flying debris, flooding, and more, comprehensive car insurance coverage covers you from damages caused by natural disasters.
Getting auto insurance in Lake Charles can help repair your vehicle or replace it. In recent news, we have heard of avalanches roaring unexpectedly down mountain highways destroying everything in their path.
Car insurance can provide coverage from earthquakes, hurricanes, tornadoes, floods, fires, and more. To find affordable auto insurance in Lake Charles call Kelly Lee Insurance where we are sure to have the additional coverage you need that includes falling objects, explosions, windstorms, hail, thefts, riot, or an unfortunate collision with an animal.
If you are unsure of what you need in an insurance policy, call us today. We often write same day policies. Call (337) 656-2890 or visit www.kellyleeinsurance.com/auto-quote for an online auto insurance quote.