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Home > Auto Insurance in Lousiana | Clockwork Insurance Services

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form
Auto Quote Short Form

Auto Insurance Customer Service Options

Request policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below. All requests will be serviced during normal hours of operation, when our account managers are available to help you.

Auto Accident Claim
Request Declaration and Coverages Page for Auto Policy
Request ID Card for Auto Policy

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:

  • Company-owned vehicles

  • Personally owned vehicles used for business purposes

  • A company vehicle that someone drives both while on the job and after hours

  • Commercial trucks

  • 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:

  • Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

  • Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property Damage Liability Coverage: This pays for damage to the other party’s property.

  • Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • 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:

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance

  • Rideshare coverage

  • Umbrella liability coverage

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.

  • Motor Truck Cargo Coverage: As a specific type of inland marine coverage, this benefit covers shipments and deliveries that you are tasked with transporting to others.

  • Pollution Liability Insurance: In some cases, if a vehicle accident causes you to spill hazardous materials, this benefit can help you cover the cleanup costs.

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.

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Location
2329 Severn Ave.
Suite 200
Metairie, LA 70001

Phone: 844-288-3122
Fax: 504-262-8249
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