Auto Insurance Baton Rouge LA
Reader’s Question:
Where can I find out information regarding the limits of personal auto liability insurance in my state? I am a resident of Baton Rouge, Louisiana.
Ricky
Baton Rouge, LA
You are required by law in Louisiana to have 10/20/10 liability insurance coverage on your motor vehicle. This means that if you are liable for injury or damage in a car accident, the minimum liability policy will pay up to $10,000 for bodily injury for one person, $20,000 for bodily injury for more than one person and a total of $10,000 for property damage.
If you want to know what your current insurance policy is you can contact your insurance agent. If you want to buy an insurance policy with greater limits you can again speak with your insurance carrier or shop around for Louisiana automobile insurance. If you have other car insurance questions you can contact the Louisiana Department of Insurance or the Department of Motor Vehicles can also help you.
Car Insurance New Orleans LA
Reader’s Question:
I live in New Orleans, Louisiana and I want to know if my insurance company can tell me where to take the car to be repaired in my state?
Danny
New Orleans, LA
The Commissioner of Insurance for Louisiana states that you can decide which body shop does the actual repairs to your automobile.
According to the LA Commissioner’s consumer site, normally, insurance provider’s payment will be based on the lowest of three estimates. Therefore if you chose the body shop that does the repair but their estimate was the highest you may need to negotiate with the insurance provider to pay this amount above what the lowest estimate was for the repairs.
According to the insurance regulator for Louisiana, an individual with insurance related concerns and questions is invited to contact the Louisiana Department of Insurance at 225-342-5900 or 1-800-259-5300 in Baton Rouge or write at Department of Insurance, P.O. Box 94214, Baton Rouge, LA 70804-9214.