While liability auto insurance is required, if you have an auto loan, your lender will require that you carry additional insurance. Even if you don't have a car loan, carrying more than the minimum required by law is a good idea. Auto insurance is not one size fits all, there are several different types of coverage to consider. At Bolivar Broussard and Company Insurance we understand auto insurance and we are here to help you to make the right decision about the types of coverage that you need.
If you are at fault in an auto accident, you need coverage for the damage to the other vehicle and any medical bills that are incurred in the accident. Liability insurance will protect you from legal action that is taken against you up to the limit of your policy.
Another coverage to consider is an uninsured or underinsured motorist, this will help you in the event that you are involved in an accident with someone who either doesn't have insurance or doesn't have enough insurance to cover the damage they have done.
In an accident where you are at fault, your own vehicle may be damaged. The cost of this will fall to you. Collision coverage protects your vehicle and will allow you to get it repaired or replaced.
Comprehensive coverage protects your vehicle from things that are beyond your control. It covers things like hail and wind damage, vandalism, theft and even a deer that runs into or in front of your vehicle. All of these things can cause a lot of damage. Glass coverage is usually included in this type of insurance.
These are just some of the reasons why having a good auto insurance policy is vital. At Bolivar Broussard and Company Insurance we know the law, we will make sure that you have the coverage that is required and beyond that, what you need. Give us a call or use our online rating tool for a no-obligation quote.