Without adequate insurance coverage for your vehicle, you could find yourself financially responsible for damage to property and injuries to other individuals. This is why working with a reputable auto insurance company to get the proper level of coverage at an affordable price is so important. The Wimberly Agency is here to offer you the assistance you need to make the right choices for you and your family.
Types of Coverage:
Comprehensive coverage is a great way to protect the investment you have made in your vehicle. This coverage pays for damage to your car that isn't due to car accidents. This typically includes theft, fire, vandalism, natural disasters and collisions with animals (such as hitting a deer). Damage to your windshield may be covered under your comprehensive coverage as well, and in some cases, with no deductible. Ask your agent about the specifics when you purchase your policy. While comprehensive coverage is not required by any state law, your lender may require that you carry comprehensive coverage until your car is paid off.
Unlike property-damage liability, collision coverage pays to repair your own vehicle in the event of an accident. Your collision claim check will be reduced by the amount of your collision deductible. Your car is considered "totaled" when the repair costs exceed a certain threshold of the car's value, such as 70 percent. At that point, the insurance company may tow away the car to the salvage yard and offer you the actual cash value of your car, minus the deductible.
If you would like to keep the premium costs down on your collision policy, you should talk to your agent about raising the deductible. Typically, as the amount of your deductible increases, your premium costs will decrease.
Liability coverage pays for the damage you do to others. In Louisiana, each vehicle is required to have 15/30/25 liability limits. Those limits provide payments of $15,000 for bodily injury to one person, $30,000 for bodily injury to more than one person in a single accident, and $25,000 coverage for damage to someone else's vehicle or other property. You may find the minimum limits required by the state to be significantly inadequate. If you cause a major accident, you will quickly exhaust your limits and you could possibly be sued for any remaining costs not covered by the minimum limits required by the state.
It may also pay for your legal bills if you cause an accident. Bodily-injury liability will pay for others’ medical bills and lost wages when an accident is your fault, except in “no-fault” states, where your own Personal Injury Protection (PIP) coverage would pay for your injuries. Property-damage liability pays to repair or replace property that you destroy. This includes other cars or property, such as fences.
Liability insurance has no deductible.
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Rental car reimbursement coverage typically helps pay for rental car costs when your car's damages are covered by your comprehensive and collision coverages. For example, you may need to rent a car if your own car has been damaged in an accident, severe weather, or by an act of theft or vandalism.
Towing and labor coverage typically pays the cost of towing your vehicle to a repair shop when it is unable to be driven and covers a specified amount of necessary labor charges at the place of breakdown. The coverages and limits are different for each carrier that offers towing and labor coverage.
Personal umbrella policies are a type of insurance that provides liability coverage above your automobile or homeowners policy. So, if your liability coverage isn't enough to pay for the damages of an accident or a visitor's injuries on your property, an umbrella insurance policy picks up where your underlying policy's coverage left off.
Antique & Classic Cars:
An antique auto insurance policy isn’t just a standard car insurance policy. Instead, it’s a much different policy that’s built just for your classic car and may include more specialized coverages, such as original replacement parts, guaranteed value, and flexible usage coverages. Classic Cars deserve special treatment. We have an insurance product that is designed specifically for them. Our insurance covers antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars.
Motorcycles come in all shapes and sizes. Cruisers, choppers, sport cycles, touring bikes, dirt bikes, scooters, and mopeds are only some of the motorcycle types we insure.
ATV's & UTV's:
Boat & Personal Watercraft
Boat and Watercraft insurance coverage that protects you, your friends and family, your boat, your PWC, and your boating gear for an entire year. Our unique Boat and Watercraft Insurance protects your boat not only when it is in the water, but when it is on land too.
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