Auto Insurance Baton Rouge Louisiana LA
Reader’s Question:
I was unaware that my auto insurance was cancelled in Baton Rouge Louisiana and I would like to know what steps do I have to make?
Rick
Baton Rouge, LA
If your insurance was cancelled, under any circumstances, after you have had an insurance policy for sixty days in the state of Louisiana, that car insurance policy can only be cancelled if you fail to pay your car insurance premium, you or a member of your household has a driver’s license or motor vehicle registration suspended during the auto insurance policy period or you file a fraudulent claim.
If your insurance provider decides not to renew your auto insurance policy in Baton Rouge, you must be given a 20-day notice, and the insurer must provide you the reason for non-renewal if you request it in writing. So if your car insurance was canceled your insurer should have notified you.
If your car insurance was canceled without notification then you may contact the Louisiana Department of Insurance to check what consumer insurance advice they may be able to give you on this subject.
Tags: auto insurance, car insurance, insurance advice
Student Car Insurance New Orleans LA
Reader’s Question:
I am a college student and have my own vehicle, should I get insurance in the state I live in which is in New Orleans Louisiana or the state I attend college in?
Robert
New Orleans, LA
If you are a Louisiana resident but going to school in Texas keeping your current car insurance may be a problem, depending on your insurance carrier. If the insurer is licensed to do business in Texas then you should be able to stay with that insurance provider but according to the Louisiana Insurance Commissioner it would be up to the guidelines of your individual insurance company if they would continue your policy or drop you so that you would get TX insurance.
So to decide which state to register and insure you vehicle, first try speaking to your current insurance broker to verify if your policy will follow you. If it will not follow you then you will need to obtain insurance in the state where your college is located.
DWI Penalties Louisiana LA
Reader’s Question:
In Louisiana how long does a DWI conviction remain on your record?
Marissa
Shreveport, LA
According to the Louisiana Office of Motor Vehicles (OMV), your official driving record (ODR) lists different law violations and the retention period for infractions differs depending on the type of violation
So a DWI in Louisiana would remain on your driving record for 10 years from the date of the infraction for this driving while intoxicated charge. According to the Louisiana driver’s manual, a first conviction for a DWI can cost you $4500 in court costs, fines, insurance costs, lawyer fees, etc.
In addition to the penalties, proof of future financial responsibility or the SR22 form must be filed and maintained for 3 years from the date of conviction. The court also has the authority to require participation in driver improvement programs, community service work, and substance abuse treatment, all at your expense.
Louisiana Personal Auto Insurance
Reader’s Question:
Where can I verify information regarding the limits of personal car liability insurance in Louisiana LA?
Vicky
Monroe, LA
You are required by Louisiana law to vehicle 10/20/10 liability insurance coverage on your motor vehicle. This means that if you are liable for injury or damage in an car accident, the minimum liability policy will pay up to $10,000 for bodily injury for one person up $20,000 for bodily injury for more than one person per accident and a total of $10,000 for property damage per accident.
If you are thinking what your current policy is you can speak with your insurance agent. If you want to buy a policy with greater limits you can again talk with your insurance carrier or shop around for Louisiana car insurance. If you have other insurance inquiries you can contact the Louisiana Department of Insurance or office of Motor Vehicles which can also help you.
Louisiana LA Car Insurance Rate
Filed under: Louisiana non owner car insurance, SR22 Louisiana
Reader’s Question:
I was wondering how car insurance companies is assessed. Where the cheapest auto insurance rates are is what I am curious about, but since that is too general I am interested in searching how I could better understand how an insurance rate is calculated in any given area.
Mark
Baton Rouge, LA
Car insurance rates are based on different factors which can vary depending upon state insurance laws as well as individual insurance company’s underwriting guidelines.
The basics though of how an auto insurance rate is that the premium you pay consists of a “base rate” in addition or minus amounts reflecting factors such as your age, marital status, gender, driving pattern, claims history, vehicle type, driving record.
Normally there is a different base rate depending upon the type of car being insured and the geographical area where the motorist resides. While individual carriers may vary in the amounts they assess for each factor, the major rating factors are fairly universal.
Drunk Driving In Louisiana LA
Reader’s Question:
My wife was involved in an auto accident involving a drunk motorist. It was the drunk driver’s fault, unfortunately though we didn’t have auto insurance. Our vehicle was totaled, so I need to know what will happen now? Does the other at fault driver pay for the damages, or do we pay for it?
Rick
New Orleans, LA
Generally, even though you didnt have inurance sat the time of the accident your ife should be able to make claims for the damages she and the car sustained because of the accident caused by the drunk driver. You should contact the at-fault party’s insurance company to make a claim for the damages of your car in this accident.
There are some states that limit your claims if you didnt have auto insurance at the time of an accident, but typically if the at-fault party was a drunk driver then you can make a claims. In Louisiana, they have a “no pay / no play” law which normally means if you do not have insurance and got involved in an accident then you cant recover for the first $10,000 of bodily injury and no recovery for the first $10,000 of property damage based on any cause or right of action resulting out of a motor vehicle accident, for such injury or damages occasioned by an owner or driver of the car involved in such accident who fails to own or carry compulsory motor vehicle liability insurance.
Louisiana LA Car Insurance Rate
Reader’s Question:
I got a speeding ticket five months ago and I received another speeding citation again. How is it going to affect my insurance rates in Louisiana?
Larry
New Orleans, LA
Since in Louisiana minor moving convictions stay on a driver’s driving record for three years from the date of conviction, your insurance carrier will see both speeding tickets the next time they pull your motor vehicle record (MVR).
Your insurance rate could increase due to having two traffic violations, speeding tickets, on your driver’s record. It will depend on how your insurance carrier’s rating system works as to how much your insurance rates will be affected. To check about their rating system, ask your insurance agent or company for information or you can contact the Louisiana Department of Insurance since insurance rates must be filed with them.
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.
Baton Rouge SR22
Q: I’m in the market for a new car, but I’m not sure what kind I should get. I don’t want my Baton Rouge SR22 insurance to go up any more.
A: The kind of car you get is one of the most important determiners in your Baton Rouge SR22 rate. First, see what cars you like, and instead of just up and buying one, run each one through a car insurance quote form first and find out which comes up with the best premium from the best company.
Some other guidelines for getting a car that will have a ood effect on your Baton Rouge SR22 insurance: Get a car which is medium sized instead of small or large. Get a used car which is a few years old, not too old, not too young. Don’t spend too much. Avoid sports cars.