Auto Liability Insurance in Harvey, LA
Auto liability insurance is required by law in most states, including Louisiana. Driving without it may lead to fines, vehicle impoundment or suspension of your license and registration.
What Is Auto Liability Insurance and How Does It Work?
Auto liability insurance may help cover financial losses if you’re found legally responsible for a car accident. It typically includes two parts:
- Bodily injury liability may help pay for medical treatments, lost wages and legal fees if someone is hurt in an accident you caused.
- Property damage liability may help cover the cost of repairing or replacing another person’s vehicle or property.
States require a minimum level of coverage, but you have the option to choose higher limits based on your needs. If the damage exceeds your policy limits, you may have to pay the difference out of pocket.
How Much Does Coverage Cost?
Auto liability coverage rates may vary based on several factors. Specifically, carriers may often consider the following during the quoting process:
- Driving records
- Insureds’ personal details (e.g., ages and genders)
- Location
- Coverage limits
- Credit score
What Are Common Exclusions?
Auto liability insurance generally excludes coverage for the following:
- Damage to your own vehicle
- Your own medical expenses
- Intentional damage or illegal activity
- Business use of your vehicle (unless specified)
- Driving someone else’s car without permission
Auto liability insurance is just the starting point. If you want coverage for your own car or injuries, consider additional types of insurance, such as collision or medical payments coverage.
Contact Us
Drive confidently with auto insurance from Liberty Pro Insurance. Our agents are happy to help you find suitable coverage. Contact us today to learn more.