If you are new to car insurance, you may have a lot of questions. Even if you have had car insurance for years, you may have questions about what type of coverage you need or have. At Soto Insurance Agency in Covington, LA we provide the information you need to make an educated decision about the right auto insurance for your needs.
Do I need to have auto insurance?
In the state of Louisiana, the basic insurance that you are required to carry is 15/30/25. This means you must protect other people from an accident you cause.$15,000 for injuries to one person, with a total of $30,000 for all the injuries from that accident. $25,000 is allowed for personal property.
Can I let my friend drive my car?
If your friend has a valid driver’s license, they will be covered by your auto insurance at the same level that you are protected. Auto insurance covers the vehicle, no matter who is driving. If, however, they are involved in an accident, the record will be reported to your insurance, and it could affect your insurance rate.
Am I covered if I rent a vehicle?
Maybe, it really depends on what type of auto insurance policy you have. A basic auto insurance policy is strict liability, and that will not cover a rental vehicle. If you have collision and comprehensive coverage, this also extends to the rental vehicle at the same rate as it covers your personal vehicle.
Do I need to have my insurance card in my vehicle?
Yes, you need to carry your auto insurance card in your vehicle at all times. If you are pulled over, you will need to provide proof that you have auto insurance coverage.
Reach Out To Us
Contact Soto Insurance Agency in Covington, LA when you are ready to discuss your auto insurance needs.