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Auto Insurance Information
Louisiana Personal & Commercial Auto Insurance
It doesn’t matter if you are driving on the interstate or in your own neighborhood, you and your vehicle could run into trouble at any moment. Countless hazards, from wrecks to vehicle fires, could damage your car, injure you and your passengers, or harm others. The results could be costly, but with the help of your car insurance, you’ll be ready in the face of any challenge.
Every driver needs car insurance, but depending on whether you are driving for business or personal reasons, your coverage needs will differ. That’s why Clockwork Insurance offers quality commercial auto and personal auto insurance plans, and we know how to tailor each policy to fit the policyholder.
We know what we are talking about when it comes to auto insurance benefits. Do not hesitate to call us at (844) 288-3122 or request a quote now.
Common Auto Insurance Questions
How Does Auto Insurance Work?
Car insurance is a promise of financial security for vehicle owners of any shape and size. Operating a motor vehicle is expensive and dangerous. If you have a wreck, have your car stolen, or get sued by someone because you caused a wreck, the expenses could quickly add up.
With car insurance, you’ll be able to have many of these costs covered. For the cost of a regular premium, you’ll be able to avoid exceptional, unexpected repair bills associated with wrecks or other hazards. You’ll have a way to move on from these losses without sustaining a huge financial blow.
How Are Commercial & Personal Auto Insurance Different?
When you drive for yourself, you only have yourself and your vehicle to safeguard with personal auto insurance. However, if you are driving for business, whether in a company-owned car or your personal vehicle, you are a representative of the business.
If accidents happen in the latter scenario, then the business is the party that could have to pay for the damage, respond to accident lawsuits and ultimately bear the financial burden. Personal auto insurance plans do not provide adequate terms and benefits to effectively insure businesses that own vehicles or employ drivers. Businesses, therefore, must buy commercial auto insurance.
Many different vehicles might need commercial auto insurance, including:
A company vehicle that someone drives both while on the job and after hours
Vans, buses, taxis or other vehicles that transport passengers
Certain personal vehicles whose weights or horsepower classify them as commercial
What Does Auto Insurance Cover?
When placed side by side, commercial and personal auto insurance will contain a lot of similar types of coverage. These usually include:
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Other available benefits for both commercial and personal drivers include:
However, a variety of specialty options are also necessary for commercial drivers, including:
Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.
Inland Marine Insurance: When transporting business property away from your primary location, this coverage will insure those items.
Coverage can be further customized to meet the insurance needs of truckers, freight haulers, medical transports, passenger & bus services, hospitality transports and more.
Is Auto Insurance Required?
In Louisiana, both personal and commercial drivers are required to carry minimum levels of auto liability insurance, starting at:
$15,000 bodily injury liability coverage per person
$30,000 bodily injury liability coverage per accident
$25,000 property damage liability insurance
All commercial auto policyholders are recommended to carry higher liability coverage limits, and to buy other optional benefits like collision, comprehensive and uninsured/underinsured motorist coverage.
Additionally, commercial vehicle operators might face further coverage requirements depending on their operations. Trucking bonds, higher liability coverage limits, and specialized coverage like pollution liability insurance might be mandatory based on your industry.