Insurance Commission: Auto Insurance in Louisiana to Undergo Changes

Donelon is also looking to expand the “no pay, no play” rule under the Omnibus Premium Reduction Act of 1997. This was the state’s initial attempt at curbing the steep cost of car insurance premiums, where an uninsured person in an accident cannot pursue damage claims. In addition, a person without Alexandria, LA auto insurance cannot take legal action.

However, Louisiana’s version of the “no pay, no play” rule is different. The uninsured has to shoulder the first $10,000 in accident expenses. Donelon wants the threshold up at $15,000.

http://www.harlaninsurance.com/industry-news/insurance-commission-auto-insurance-in-louisiana-to-undergo-changes/

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Selecting a Great and Reliable Car Insurance Company

Choosing the best Alexandria, LA auto insurance company shouldn’t have to feel like going through a complicated obstacle course. Sure, there may be various insurance companies offering competitive plans, but for as long as car owners know what they want to get, then they shouldn’t have a problem factoring in several considerations before they invest hard-earned money on coverage that will impact their lives forever. 

 For automobile coverage, for example, the provider must be duly licensed within your state. This is important because in the event that accidents happen to you outside your region, the state insurance commission will help intervene and settle matters regarding your coverage. 

Always discuss nitty-gritty details with insurance agents, specifically the cost, packages, coverage details and exceptions. Make comparisons among providers and choose the best one which suits your needs. A good auto insurance company should tell you the complete picture and make you feel secure enough to invest on their service. 

Do additional research and ask feedback from customers on their experience with your candidate company. You may also check with independent agencies that rate the financial soundness of your chosen provider. Make sure that the insurance company you are investing in has the capacity to serve your needs. 

Buying auto insurance is an important part of being a responsible car owner. Remember to choose only the best and reliable insurance providers who can provide you with the best coverage and services.

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Minimum Liability Won't Be Enough

Car accidents happen not just because of negligence but also adverse weather conditions. Reportedly, that was the cause of a deputy sheriff’s accident in St. Tammany Parish in Louisiana not long ago. As the report goes, unfavorable road conditions due to bad weather caused the deputy sheriff to hit a tree. 

This goes to show that accidents can happen anywhere anytime, even to cautious and responsible drivers in Alexandria, LA. Once people get behind the wheel, they need to be aware of dangers on the road. However, even the most alert and prepared drivers cannot avoid accidents, which is why some acquire auto insurance in Alexandria, LA. 

In the state, the minimum liability coverage for all drivers includes $15,000 for the injury or death of one person. That coverage applies to any individual involved in a one-person accident, similar to the incident involving the deputy sheriff. However,$15,000 covers only so much, especially if the driver's medical expenses exceed his coverage amount. 

Drivers can also acquire car insurance aside from state-required minimum liability coverage. Optional car insurance plans include collision coverage that pays for vehicle repair and rental reimbursement coverage for rental vehicles. By acquiring insurance, drivers can better prepare for accidents before they occur.

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Alexandria, LA Auto Insurance Protects Drivers from Single-Car Crash

The state-mandated minimum liability coverage for all drivers in Louisiana includes $15,000 for the injury (or death) of one person. This coverage applies to an individual involved in a one-person accident, such as the sheriff’s deputy in the abovementioned incident. However, if the driver’s medical expenses exceed his or her coverage amount, he or she will have to foot the rest of the bill.

For this reason, drivers or vehicle owners might want to purchase a Louisiana car insurance that goes beyond the state-required minimum liability coverage. These optional car insurance plans include collision coverage, which will pay for vehicle repair. Another helpful optional car insurance plan is the rental reimbursement coverage, which will comprise car rental fees if the damaged vehicle has to undergo a long and extensive auto body repair.

http://www.harlaninsurance.com/industry-news/alexandria-la-auto-insurance-protects-drivers-from-single-car-crash/

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Accidents Happen, So You Better Get Auto Insurance from Alexandria, LA

It's not just drunk driving that people should worry about, though, as accidents due to speeding and distracted driving are also quite common. The latter is particularly notable given that even the most cautious drivers can unintentionally get themselves distracted by little things like texting, talking, or even occasional glances at the rear view mirror. In essence, everyone is just as likely to get into a car accident as reckless drivers, which is certainly enough reason to buy auto insurance in Alexandria, LA from reputable firms like Harlan Insurance.

http://www.harlaninsurance.com/info-article/accidents-happen-so-you-better-get-auto-insurance-from-alexandria-la/

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Auto Insurance in Alexandria, LA: Keeping it Very Easy on Retirees?

"Elderly residents of Alexandria, Louisiana may be given pause over Koff’s argument. The city has a population of roughly 48,300; among that number, 11.41% are between 55 to 64 years old and 6.96% are in the 65-74 bracket. Although many of them are still capable of driving competently, adequate safeguards are still needed for them, thus requiring the help of experts in Alexandria, LA auto insurance like Harlan Insurance Agency LLC. Koff states that “appropriate liability coverage” is needed based on the fact that older Americans do “have a higher net worth.” The coverage will work on “damages you cause to another vehicle as well as that person's medical bills, lost income and possible ‘pain and suffering,’” with any additional expenses out of your pocket, just in case. He added that It is also important to consult your insurer about uninsured or underinsured motorist coverage."

http://www.harlaninsurance.com/info-article/auto-insurance-in-alexandria-la-keeping-it-very-easy-on-retirees/

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Getting Insurance for Your RV

Recreational vehicles or RVs represent Americans’ love for living life on the open road. With thousands of miles of highway crisscrossing the nation, it is not uncommon to travel down a highway and see at least one RV plying in either direction. If you want to enjoy the comfort of home on four wheels, then the RV is your best bet. But like all vehicles, you need some form of insurance – and standard auto policies don’t work for them.

An RV insurance policy has a number of key elements. The first is total loss replacement, which applies to buyers of brand-new RVs for only the first five years, by replacing the original unit with an identical machine. An RV policy can be customized to specify limits on damaged or destroyed personal belongings.

Insurance policies for RVs are known for higher liability limits because of their massive size that can be a harbinger for mishaps. A full-timer liability applies when the RV is used as a residence, in the same manner as a home insurance. Some policies also allow for emergency expenses, particularly when the RV is being repaired and the occupants are forced to live elsewhere for the duration.

RVs are great investments for vacationers. However, it is important to have all bases covered for the vehicle as well as your adventure.

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