What are the different types of auto insurance coverage and how do they help me?

Some of the most common types of auto insurance coverages are:

  • Property Damage Liability – This provides coverage for all property damages the insured is legally obligated to pay due to an accident. Louisiana law requires a minimum of $25,000 in property damage coverage.
  • Bodily Injury (BI) – Bodily Injury provides coverage for death or serious and permanent injury to others when you are legally liable for an accident involving your automobile. Louisiana law requires a minimum of $15,000 per person and $30,000 per accident.
  • Medical Pay (Med Pay) – This covers medical treatment for the insured or resident family member resulting from an auto accident, regardless of fault, as well as any person occupying the covered auto. This is not a required coverage in Louisiana.
  • Uninsured Motorist (UM) – This is coverage provided to the insured, resident family members and any other person occupying the covered automobile for bodily injury resulting from an accident involving an uninsured or under-insured driver. This is not a required coverage in Louisiana.
  • Comprehensive Coverage – This is coverage for your own property damage in case of an uninsured, underinsured or self-caused accident.  While this coverage is not required by Louisiana law, if your vehicle is financed then the bank/credit union/loan provider typically requires comprehensive coverage to protect their interests.
Loyd J. Bourgeois
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Disability, Personal Injury, and Divorce Attorney