Auto Insurance in Kenner, LA
Auto insurance is designed to help reduce the financial burden if you’re involved in an accident or face an unexpected incident with your vehicle. Most states, including Louisiana, require drivers to show proof of financial responsibility, usually through minimum liability coverage. If your car is financed or leased, your lender will also likely require financial protection to safeguard their investment.
What Does Auto Insurance Cover?
The coverage you choose may depend on your vehicle, budget and comfort level with risk. Here are some options included in a standard policy:
- Liability coverage may help you manage costs if you’re responsible for someone else’s injuries or property damage in an accident.
- Collision coverage may cover repair or replacement costs if your car is damaged in a collision, regardless of fault.
- Comprehensive coverage may reimburse expenses resulting from non-collision events such as theft, vandalism or weather-related damage.
- Uninsured/underinsured motorist coverage may offer financial support if you’re involved in an accident with an at-fault driver and they have insufficient insurance.
- Medical payments coverage may cover medical bills for you and your passengers after an accident.
Can I Have More Coverage?
Beyond standard coverage options, you can further customize your auto insurance policy with endorsements. Endorsements or optional add-ons enable you to enhance your financial protection and tailor your policy to your specific needs. Vehicle owners often choose the following:
- Roadside assistance coverage may step in if your vehicle breaks down, including towing, battery jump-starts and flat tire changes.
- Rental car coverage may reimburse the cost of a rental vehicle while your car is being repaired after a covered loss.
- Gap coverage may pay the difference between your car’s actual cash value and the amount you owe on your loan or lease if your vehicle is totaled.
- Custom equipment coverage may cover aftermarket parts or customizations you’ve added to your vehicle.
Where to Get Auto Insurance
Our team at Fitzwilliam Insurance Services LLC can help you review available coverage and select the one that fits your driving habits and lifestyle. Contact us today to get started.