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Affordable Auto Insurance in Baton Rouge

Bodily Injury (BI): When you are at fault of injury or death while driving your vehicle, this covers legal fees, bail bonds and court costs. It protects you from losing your home, savings and income if you are involved in a serious accident. This coverage is not available without property damage liability.

Limits of Liability are: 10/20/10, 25/50/25, 50/100/50 and 100/300/50

Property Damage (PD): When you are at fault of damage to another person's property, caused by your vehicle, this covers property damage up to the limit selected, plus the cost of any legal expenses. This coverage is not available without bodily injury liability.

Medical Payments (MED): Covers medical, dental, hospital, and funeral expenses for you, household relatives and passengers injured in a motor vehicle accident involving your vehicle. It also protects you and household relatives in other vehicles or as pedestrians. This coverage is not available without bodily injury and property damage liability.

Uninsured Motorist Bodily Injury (UMBI): Covers damages that you, household relatives and passengers in the insured vehicles are entitled to receive because of bodily injury or death caused by uninsured, underinsured or hit-and-run vehicles. This coverage is not available without bodily injury and property damage liability.

Uninsured Motorist Property Damage (UMPD): Covers for damage that you are entitled to recover as a result property damage caused by uninsured motor vehicles. This covers damages caused by hit-and-run vehicles.

Comprehensive (COMP): Covers loss or damage to your vehicle caused by fire, theft, vandalism, hail, windstorm, riot, falling objects, flood, etc. The deductible normally applies to all damage except by fire. This coverage is not available without bodily injury and property damage liability.

Collision (COLL): Covers loss or damage to your vehicle caused by collision with another object.

Rental Reimbursement (RR): Covers the expenses of renting a vehicle in the event that your vehicle is disabled longer than 24 hours. This coverage is not available without Comprehensive coverage.

Towing & Labor Costs (T/L): Covers the towing of your vehicle and any labor costs up to the amount stated on your policy. This coverage is not available without other coverage.

If you are ever in an accident, whether you are the driver or the passenger, make sure to obtain the following information from the driver of the other vehicle:

    Reload
    • License Plate Number And State
    • Owner's Name
    • Driver's Name And Age
    • Registration/VIN
    • Address, City, State and Zip
    • Telephone, both home and work
    • Insurance Company name and policy number
    • Expiration Date
    • Damage
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