Louisiana Car Insurance - What You Need to Know

​​Car Insurance in Lake Charles, LA - Car insurance laws vary from state to state, but every state requires some form of car insurance (or proof of financial responsibility) to drive legally.  While it can seem like just another way to take your money, car insurance is actually designed to protect you and those traveling with you as much as other drivers if you are involved in an accident.

​Overall, Louisiana car insurance laws require a minimum level of auto coverages listed below.  For additional information about car insurance in Louisiana, you can visit our state's department of insurance website.
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Bodily injury liability
Liability Insurance is intended to cover injuries that you, a designated driver, or the policyholder, inflict on another. For example, if your policy lists additional drivers in your family, your policy will also cover their liability should they be involved in an accident.  

Medical payments or (PIP) personal injury protection
Louisiana car insurance laws require medical coverage.  PIP reimburses for the treatment of injuries to those in the policyholder's vehicle.  Medical payments coverage will cover medical payments, lost incomes, and other expenses that resulted from the accident.

Property damage liability
Property damage liability compensates for damage you (or a driver with your permission) cause to another driver's property.  In additional to car damage, property damage liability can include damage you cause to fixed objects, such as, fences, a home or building, or other structures your car strikes.

Collision coverage
Collision coverage safeguards you in the event your auto is damaged in a wreck with a vehicle, objects in the road, or if your auto flips over. In addition, collision insurance can cover damage incurred by potholes or damaged roadways.  

Comprehensive coverage
Comprehensive coverage compensates you for a loss due to robbery, falling objects, fire, floods, earthquakes, windstorms, hail, vandalism, or imapct with animals.  Louisiana, like most states, doesn't require comprehensive insurance coverage.  However, if you financed your car, your lender will require you to carry comprehensive insurance until your loan is satisfied.  

Uninsured and underinsured motorist coverage
UI uninsured motorist coverage is designed to compensate you for damages you incur if an uninsured driver hits you, or you are involved in a hit and run.  

Underinsured motorist helps you when an at-fault driver doesn't carry enough insurance to cover your losses from an accident.  Underinsured coverage can also safeguard you if you are hit by a vehicle as a pedestrian.

Not sure you are meeting state requirements with your insurance in Louisiana?  Call Kelly Lee Insurance to speak with one of our knowledgeable insurance agents; we will ensure you have the coverage that best meets your needs.

Kelly Lee Insurance works with over 50 insurance underwriters to provide car insurance in Lake Charles, Louisiana.  We may not be the cheapest car insurance in Lake Charles, Louisiana, but we will ensure your assets are covered.   

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