A basic auto policy is a policy that meets the basic requirements that a state requires. In Louisiana, the required basic coverage is all liability, with a limit of 15/30/25. This means that injuries to the first person are capped at $15,000 in injury coverage, with a total of $30,000 available for all injuries. $25,000 is allowed for damage to the other vehicle. In Covington, LA, Soto Insurance Agency offers the coverage that will keep you legal when you drive. We will discuss all the options with you so that you can make an educated decision.
Collision and Comprehensive
Collision coverage protects your vehicle in an accident for which you are responsible. It will be worth fixing or replacing your vehicle. You must pay the deductible. Comprehensive coverage protects against damage caused by weather events, including wind, hail, flooding, and cracked or broken glass. It also covers vandalism or theft of your vehicle. If you hit a deer, this is the insurance that covers it. Comprehensive coverage has a deductible.
Uninsured/Underinsured Motorist
While this coverage is not required in Louisiana, it is common-sense coverage that will protect your vehicle if a driver with no insurance or limited insurance coverage damages it. It will also cover you if you are the victim of a hit-and-run.
Full Glass Coverage
When you choose full glass coverage, it will cover the repair and replacement of your glass, with no deductible.
Rental Car
When your car is in the shop while it is being repaired after it has been damaged or while you are finding a replacement, this coverage provides you with a rental car.
Contact us at Soto Insurance Agency in Covington, LA for all of your insurance needs. Our independent insurance agents will answer your questions and make sure you get the coverage you need.
