Determining Auto Insurance Coverage with Multisurance
Many people, especially those on a budget, may be tempted to opt for the most basic auto insurance coverage. In Louisiana, that equates to liability coverage of 15/30/25. At Multisurance in New Orleans, LA, we’re here to discuss all auto insurance options and help you determine the best coverage for you.
What Does the State Minimum Cover?
The state mandatory coverage provides $15,000 in injury coverage for the first person injured in an accident and a total of $30,000 for all injuries occurring in an accident where you are at fault. The $25,000 is for property damage coverage. If you’re still financing your vehicle, this basic coverage may fall short for most lienholders, who commonly require comprehensive and collision coverage.
Understanding Collision and Comprehensive Coverage
Collision coverage protects your vehicle in case of a collision with another vehicle or with a stationary object. It also covers your vehicle if you are hit by an unseen vehicle, namely a hit-and-run incident. It comes with a deductible that applies any time you make a claim.
Comprehensive insurance covers your vehicle for damages beyond your control or theft. This includes flooding, hail damage, falling branches, cracked windshields, and vandalism. A deductible also applies to comprehensive coverage.
For many people, their vehicle forms an integral part of their life. If your vehicle were to be damaged or totaled, it could cause a significant inconvenience. Moreover, out-of-pocket expenses for repairs or replacement might be unaffordable. Having the right auto coverage could make all the difference.
Let Multisurance Help You Choose the Right Auto Insurance
Contact Multisurance in New Orleans, LA with any questions or concerns about your auto insurance coverage. We’re here to help you decide on coverage that suits your needs and budget. Give our office a call today.
