Research what the required Shreveport car insurance covers don’t assume you are fully protected.

The required Shreveport car insurance doesn’t have enough coverage to protect you from all stormy driving situations.

We love our all-inclusive resorts when we go on vacation, we get to pay once price and then get access to everything that we need while we are there. Unfortunately we don’t get the same all-inclusive awesomeness from the required Shreveport car insurance.

No Intentional Claims

If you cause an accident on purpose, your Shreveport car insurance company will not pay the claim.

If you purposely total your car because you are behind on payments or want a new car, you are out of luck. Once your insurance company finds out that it was done on purpose, they will deny your claim. And don’t think that they will pay your claim without question, either. Claims adjusters are trained to look for certain pieces of information that indicate that a claim needs to be investigated further.

Also, any acts of road rage can be considered causing damage with your vehicle on purpose. So if you lose your temper and use your vehicle as a weapon, your claim could be denied.

No Damage Coverage

The specific coverages that are required by the State of Louisiana for you to be able to drive do not cover damages that are caused to your vehicle. You have to purchase additional coverage to protect your own vehicle; otherwise you will have to pay for the damages out of your own pocket.

No Medical Coverage

There is also no medical coverage to pay for your injuries or the injuries of anyone in your vehicle under the required Shreveport car insurance. You can purchase separate coverage that will pay for medical bills, or you can also leave it to be paid for by your health insurance company.

What Does the Required Shreveport Car Insurance Cover?

The Shreveport car insurance that is required by the State of Louisiana only covers your liability to another party. Specifically, these coverages are:

• $10,000 for bodily injury to one person
• $20,000 for bodily injury to more than one person
• $10,000 property damage

So if you are ever in a car accident and you only have these coverages, your Shreveport car insurance company will pay for the damages and injuries of the other parties.

Don’t be bullied by the other insurance company about your rental car.

Question: The other person’s insurance company is telling me that I am only authorized for a rental car for two days, but what if the repairs to my vehicle take longer than that?

Answer: If the other person’s insurance company has accepted liability for the claim, then they owe you the rental car until your vehicle is fixed. Don’t let them tell you that you only have it for two days, you need to tell them that you are going to keep the rental car until you get your vehicle back.

(Disclaimer: I do not know the details of your claim and am not a claims adjuster. This is advice to a question only)

The basic required Moreno Valley car insurance coverages are not enough to protect your own car.

The State of California only requires that you carry enough car insurance to be able to pay for the damages that you cause to another person or vehicle. These coverages and their limits are:

• $5,000 in liability property damage coverage
• $15,000 in bodily injury liability coverage per person
• $30,000 in bodily injury liability coverage for the entire accident if multiple people are injured

These coverages are known as “liability coverages” and they do not pay for any damages that may happen to your vehicle. If you want your insurance company to pay for the damage to your vehicle, you will need other types of coverage added.

What Other Moreno Valley Car Insurance Coverage Do I Need?

In order for the damages to your vehicle to be paid for, you need to purchase comprehensive and collision coverage from your Moreno Valley car insurance agent. Collision coverage will pay for damages to your vehicle if you hit something and comprehensive coverages pay for damages caused by things like animals.

These coverages are optional, but if you don’t get them you will have to pay for your car to be fixed with money from your own pocket.

Do I really Need These Other Moreno Valley Car Insurance Coverages?

If you are wondering if purchasing comprehensive and collision is worth it, consider the following infographic from Answer Financial.

So the question you need to ask yourself is, can you afford to fix the parts listed above if you chose to go without the extra Moreno Valley car insurance?

Coverage you need to protect your vehicle is more than the minimal Montgomery car insurance.

Don’t let this guy make you sorry that you only opted for the minimum required Montgomery car insurance.

Drivers in Alabama are told that they have to carry the minimal Montgomery car insurance to protect themselves. But, the actual protection afforded by the required Montgomery car insurance only protects you from having to pay for all the damages that you cause to another person or their property. This coverage does not pay for the damages to your own vehicle.

Basic Montgomery Car Insurance

The State of Alabama requires that all drivers within the state carry the following car insurance coverages:

1. $25,000 in coverage for damage to another’s property
2. $25,000 in coverage for medical expenses related to injuries you cause to another person
3. $50,000 in coverage for medical expenses related to injuries you cause to another person

The above coverages are liability coverages and do not pay anything if something happens to your own vehicle. So if your vehicle gets hit or stolen, you will have to pay for it out of your own pocket.

Protecting Your Vehicle From Theft

If you are worried about your vehicle being stolen, but you can’t afford more than the minimum required Montgomery car insurance, per the Montgomery, Alabama, Code of Ordinances you can participate in the Combat Automobile Theft program.

“Sec. 27-7. Combat automobile theft program.

(a) The city police department shall implement an automobile theft prevention program to operate as follows:

(1) Motor vehicle owners who desire to enroll their vehicles in the automobile theft prevention program shall execute consent forms which will authorize the owners involvement in the program. A consent form signed by a motor vehicle owner provides authorization for a law enforcement officer to stop the vehicle when it is being driven between the hours of 1:00 a.m. and 5:00 a.m., provided that a decal is conspicuously affixed to the bottom left corner of the back window of the vehicle to provide notice of its enrollment in the combat automobile theft program.

(2) The combat automobile theft program decals shall conform to the specifications established by the state department of law enforcement. The decals shall be yellow in color and will be issued to owners who enroll in the program. The decal shall be placed on the bottom left corner of the back window of the automobile.

(3) An administrative fee of $2.00 shall be established to cover costs of the program. The police department shall collect the fees from all program participants.

(b) The vehicle owner shall be responsible for removing the decal when terminating participation in the program, or when selling or otherwise transferring ownership of the vehicle.

(c) No civil liability will arise from the actions of a law enforcement officer when stopping a vehicle with a yellow decal, evidencing enrollment in the program, when the driver is not enrolled in the program, provided that the stop is made in accordance with the requirements of the combat automobile theft program.

(d) This program shall be implemented upon issuance of written program materials and procedures by the police department.”

Unfortunately, if your car thief doesn’t get caught with this program then you will have to pay for a new car out of your pocket. So it would be best  to use, but not depend on the Combat Automobile Theft program.

Additional Montgomery Car Insurance

Another way to protect your vehicle in the event that it is stolen, is to purchase comprehensive car insurance. This coverage covers any damage that happens to your vehicle that is not a collision, which includes the insurance paying actual cash value for the vehicle if it ever gets stolen.

Another coverage that you should have is collision coverage. This coverage will pay for the damages to your vehicle in the event of a car accident, damages that are not covered under the required Montgomery car insurance laws.

New Georgia driving laws are doing more to protect teen drivers and Columbus car insurance is there just in case it isn’t enough.

Being able to drive for the first time is exciting, just make sure that you have enough Columbus car insurance for the not so exciting times.

“Motor vehicle crashes are the leading cause of death of 15 to 20-year olds. In 2005, 136 Young Drivers (Ages 15-20) were killed and an additional 193 others killed as a result of a crash involving a driver (Ages 15-20) in Georgia. In 2008, 3,500 15- to 20-year old drivers were killed and an additional 350,000 were injured in motor vehicle crashes nationally.” (Georgia Department of Driver Services)

Being the parent of a new teen driver is stressful enough without knowing the above statistics. But, parents can rest a little easier knowing that the State of Georgia is trying to do their part in helping to decrease the number of teens that are in both fatal and non-fatal accidents.

Teen Driving Learning Requirement’s

Under Joshua’s Law, if a driver is 16 and wants their driver’s license they have to:

• Complete Driver’s Ed
• Complete a total of 40 hours of supervised driving
• Complete at least 6 hours of supervised night driving as part of the 40 total hours

Going to School is Mandatory

For all teens that are under 18, school attendance is mandatory if they want their driver’s license. In fact, it is required that you have good school attendance for the entire academic year before you are even allowed to apply for a driver’s permit or a license.

To be able to get and keep your license, while under 18, you cannot:

1. Drop out of school for more than 10 consecutive days
2. Have ten or more unexcused absences

Teenage & Adult Driver Responsibility Act

The Teenage & Adult Driver Responsibility Act is basically a graduated driver’s license. It has 3 steps that allow the teen driver to be able to learn how to drive at a safe and slower pace, with each step granted more and more driving freedom.

For the exact details of each step and what is required of the new driver at each level, visit http://www.dds.ga.gov/teens/index.aspx.

Columbus Car Insurance

Normally a teen driver who has a permit is not required to be listed on the family Columbus car insurance policy. However, it is always best to check with your car insurance agent for your insurance company’s requirements.

With a teen driver, it is also best to have more than the minimum insurance requirements of 25/50/25 that Georgia requires all insurance policies to have. Again, talk to your Columbus car insurance agent about what coverages you need to protect yourself and the new young driver in the house.