The law in Louisiana gives you the ability to choose the auto repair business that you want to use to repair your vehicle following an auto accident. You could get a recommendation from your auto insurance company, or contact your auto insurance agency. Cordell Insurance is a good agency that could tell you if they have one that you could use in the Baton Rouge, LA area. You could find out how the insurance provider or your agency knows if the repair company is a good one, too, so that you could make a choice.
You will need to tell the claims adjuster the shop name where they will repair your vehicle, and they would need this information from you and ask you for it. You could get additional information from the Better Business Bureau if this is not included in their process. You could find one in advance, write it down and keep it somewhere so that you could be ready for a problem.
Get your estimate from the repair company that will include the work they will do, the parts, and the labor cost, too. It would also need to mention that if the repair is more expensive, they would contact you and tell you this. The Louisiana law says that you will pay them and the auto insurance company would pay you first, or you could ask them to pay the repair company, instead. The law, also, requires them to use original manufacturer parts to repair your vehicle.
If you have questions about how to get your repair or any other information, contact the agency where you get your insurance. You should use Cordell Insurance, in the Baton Rouge, LA area, because they would help you with any questions and give you a great experience.
All Louisiana drivers are required to carry the state minimum insurance coverage in order to legally drive within the state. Each state has its own requirements for state residents. Louisiana requires all drivers to carry liability insurance to avoid fines and other consequences for operating a vehicle without the minimum insurance requirements. Our Baton Rouge, LA team at Cordell Insurance is dedicated to helping Louisiana residents acquire the auto insurance coverage they need to legally drive in the state.
What are Louisiana’s Minimum Auto Insurance Requirements?
In order to legally drive in the state of Louisiana, all drivers must carry the minimum liability insurance in the amounts of 15/30/25 liability limits. These amounts include $15,000 in bodily injury coverage per person and $30,000 in coverage for more than one person per accident. The minimum liability requirements also include $25,000 for damage to another vehicle or property. All drivers within the state of Louisiana are required to cover these minimums, if not more, in order to legally operate a vehicle within the state.
Our Cordell Insurance team is committed to educating Louisiana drivers on the state minimum insurance requirements. However, we are also committed to helping drivers get more coverage if they need it. We are here to ensure that our Baton Rouge, LA drivers get the best coverage possible. However, this starts with meeting Louisians’ state minimum auto coverage requirements. If you have questions or need coverage, give us a call. We’re standing by. Our insurance agents can discuss your auto insurance needs and guide your decision-making process when it comes to auto insurance coverage.
Choosing an auto insurance plan is a major decision. Hopefully, you never get in an accident or otherwise have to exercise your insurance plan, but if you do, you’ll want to make sure you’ve got the appropriate coverage. Cordell Insurance has helped countless people in Baton Rouge, LA pick the auto insurance plan right for their needs.
Let’s look at some factors Baton Rouge residents should consider when picking an auto insurance plan.
How Much Is The Deductible?
You’ll want to pay close attention to the deducible. This is the amount you have to pay out of pocket before insurance kicks in. If you don’t have money set aside for emergencies, you may want to pick a plan with a lower deductible.
How Much Liability Coverage is Provided?
Liability coverage will cover someone else’s medical bills and property damage costs if an accident occurs. The more liability coverage your auto insurance plan offers, the lower the risks that you may personally have to pay for someone’s medical bills or other costs.
Does An Auto Insurance Plan Cover Water Damage?
Baton Rouge and Louisiana experience floods and extreme weather from time to time. Comprehensive auto insurance plans often cover water damage but only under certain situations. Make sure you read the fine print when selecting a car insurance plan.
How Is Personal Property Handled?
Auto insurance usually does not cover personal property stolen from within a car. However, some insurance providers do provide optional plans for personal property coverage. If you frequently leave the expensive property (such as a laptop) in your vehicle, you may want to get personal property insurance.
If you have any questions or would like help selecting an auto insurance plan, get in touch with Cordell Insurance, which serves Baton Rouge, LA.
When you live in the Baton Rouge, LA area, you will likely want to own a car as it will make it a lot easier for you to get around the city. If you are going to get a car here, you do need to make sure that you get the right insurance for it. There are several reasons why getting auto insurance should be considered a necessity for anyone in this area of the state.
Insurance Protects Asset
One of the reasons that getting an auto insurance policy should be considered a requirement for you is that it can protect your asset. Buying a car will come with a big purchase and investment that should be protected. If you get a full auto insurance policy here, you will have coverage to offset the risks of many situations that would otherwise lead to a loss including theft or vandalism.
Insurance is a Requirement
You should also get an auto insurance policy because it will be a requirement for you. Those that want to use a public road in Louisiana will need to abide by the state laws that require drivers to carry liability insurance. Additionally, if you have taken out a loan to purchase a car, you will need to meet the lender’s insurance requirements that often require you to have a full comprehensive and collision policy.
Getting an auto insurance policy is a good idea for anyone in the Baton Rouge, LA area. If you are looking for a new policy here, you should reach out to Cordell Insurance. The insurance team at Cordell Insurance has helped many people in this area choose a policy that offers the right protection. They can help you as well by evaluating your situation and helping you determine your specific needs.
Auto insurance is an important product to carry to protect yourself from significant surprise financial expenses. At Cordell Insurance, we offer auto insurance policies to consumers in the Baton Rouge, LA area.
Unfortunately, a lot of consumers aren’t carrying adequate auto insurance coverage. This leaves them at risk of facing large expenses as the result of an automobile accident.
The following are three reasons your current auto insurance policy is insufficient. It’s in your best interest to purchase more coverage in these situations.
You only have liability coverage.
You should purchase collision coverage in addition to liability coverage. Liability coverage will only cover expenses that you cause to other individuals out on the road. Collision coverage will cover the costs of damage to your own vehicle.
Without collision coverage, you’ll have to pay out of pocket if your vehicle becomes damaged in an accident for which you are deemed at fault.
You don’t have uninsured and underinsured motorist coverage.
Unfortunately, there are many uninsured and underinsured motorists out on the road. If you get in an accident with one of these motorists, you will have to pay your own bill for any resulting damage to your own vehicle.
When you invest in uninsured and underinsured motorist coverage, you get added coverage for expenses resulting from another motorist not carrying adequate coverage.
You have only minimum liability coverage.
Legally, you’re only required to purchase enough liability coverage to reach state minimums. However, your liability expenses for a large accident could amount to much more than these state minimum requirements.
You should purchase more than the minimum requirement in your state. This will increase the financial security that your auto insurance policy provides.
You can learn more about our auto insurance policies in Baton Rouge, LA by contacting us at Cordell Insurance.
With so many vehicles on the road in and around Baton Rouge, LA, accidents are an unfortunately common occurrence. Cordell Insurance wanted to know: What are the main causes of accidents in Louisiana? We turned to Louisiana State University’s own research into transportation safety to find the answers. As of 2018, there were four major contributing factors to most car accidents: distraction, alcohol & drugs, and aggression.
Cell phone use is the largest source of distraction on the road. Over two thousand crashes in the state could be blamed on phone usage alone. But phones are not the only diversions drivers face on the road. Eating, preoccupation with passengers, and inattentiveness due to exhaustion can all contribute to distraction-related accidents. In fact, traffic accidents linked to distraction as a whole reached over 150 fatalities last year.
According to LSU, aggressive driving is characterized by excessive speeding, following too close, passing improperly, and general careless operation. While accidents involving aggressive driving violations have been on a decline recently, they still make up a large chunk of accidents in Louisiana. This includes almost 400 fatalities in 2018 alone.
Alcohol & Drugs
Of all confirmed accidents related to alcohol/DWI, 34% of those accidents resulted in a fatality. Alcohol-involved incidents involving drivers age 15-20 has been on a steady decrease since 2005. However, DWI’s involving drugs continue to be a strong risk factor for accidents, including a huge spike in fatal crashes where cannabinoids were involved.
With so many risk factors on the roads of Baton Rouge, LA, you need an auto insurance policy to protect yourself and your assets. Let Cordell Insurance find the right insurance to fit your individual needs today!
One of the things people tend to agree on is that gas costs too much. Driving around Baton Rouge, LA, you might wait a little longer to get gas because you want to catch a better deal. At least there are some ways you can cut down on your gas bill.
- Drive less. This might seem too obvious, but there are probably ways you can cut some driving out of your routine. For instance, you can plan your errands to do two at once, instead of separating them and making the drive twice.
- Slow down. Nobody wants to slow down, and in fact, most of us feel like we aren’t getting to our destination fast enough. But speeding has a very little positive effect and can waste a lot of gas. Even making a resolution to drive right at the speed limit can show results in fuel savings.
- Keep your tires inflated. Especially when they get older, your tires probably get low when the temperature changes. But you should be keeping an eye on your tires all the time, because keeping them properly inflated doesn’t just save you gas money, but it also cuts down on unnecessary wear and tear and keeps you from having to buy tires as often.
- Maintenance, maintenance, maintenance. Following the schedule to make sure you get your oil changed, your air filter replaced and your tune-up performed will help your fuel efficiency. Of course, it will also keep your car healthy and keep you from having problems down the road.
- Be careful when running your air conditioner, and try to just use it on the highway.
At Cordell Insurance, we understand how important it is to save money. That’s one reason we try to help people find an auto insurance policy that fits their budget. If you live in Baton Rouge, LA, call Cordell Insurance today to see if we can help save you money.
For residents in the Baton Rouge, LA area, preparing for hurricane season is an annual event. Great care is given to ensuring that our homes are protected and that our family will have the supplies they need should there be a significant weather event. These steps increase the likelihood of a faster recovery process following a storm. The team at Cordell Insurance know the unique threats that hurricanes present. They want to make sure that your automobile has the right insurance so that, if damaged from a storm, you can get back on the road quickly and safely.
To adequately prepare your vehicle before hurricane season, the agents at Cordell Insurance can help you understand your coverage options. Having collision and comprehensive insurance policies gives you the tools to protect your auto after weather damage. The comprehensive insurance policy is designed to address ‘act of God’ type situations such as natural disasters. So, when a tree limb comes crashing down on your truck, you can have the damages addressed and get back to normal life. While these policies provide great coverage during hurricane season, they will also work hard for you and your family throughout the year.
For residents in the Baton Rouge, LA area, preparing for hurricane season is a normal part of life. All too often, reviewing auto insurance policies to ensure they still provide adequate coverage gets overlooked. The agents at Cordell Insurance are ready to lend a helping hand. When you are looking for insurance coverage options, they will work with you to get you prepared for both hurricane season and the normal dangers we face in everyday life. The best time to get auto insurance is before anything can happen. Get the coverage you need today!
When people apply for auto insurance in Baton Rouge, LA, their credit history often affects both premiums and the likelihood of acceptance. This means that your track record of on-time and/or late payments could influence rates. The same goes for any bankruptcies, defaults or foreclosures in your past.
Some Louisiana drivers wonder why this information matters. After all, the insurer isn’t providing a loan. Insurance companies believe that a person’s financial history helps reveal how likely he or she is to file a claim. Insurers may also consider it important because a policyholder with a high score is more apt to pay premiums on time.
An insurance provider may assess specific credit history data. However, numerous companies save time by only checking scores. The most commonly used rating is known as a FICO score. This number grades a person’s payment history based on an assortment of factors.
Major events like foreclosures and bankruptcies have the most significant impact on this score. Collection accounts also have a substantial effect. Other important factors include the average account age, account types, debt level, lateness and frequency of credit inquiries. It’s also crucial to consider the percentage of a borrowing limit that you’ve used.
Your credit report may be blank if you haven’t used any loans or charge cards in many years. The same goes for people who divorce. This frequently results in moderately higher premiums. Nonetheless, it probably won’t raise your coverage costs as much as a largely negative history.
Cordell Insurance serves motorists in Baton Rouge, LA and the surrounding area. We have provided customized auto policies at competitive prices for more than 36 years. Our staff helps drivers compare coverage from numerous major insurers. To get started, please call Cordell Insurance at 225-767-8840.
You’re a driver in Baton Rouge, LA and you suddenly find yourself in a car accident. Now what? Believe it or not, most people don’t really know the answer to this question. So a simple breakdown of exactly what to do when you are in a car accident in Baton Rouge is listed below, so that if you do ever find yourself in the midst of a wreck, you won’t panic.
MAKE SURE YOU AND EVERYONE ELSE IS ALRIGHT
First check yourself and everyone else. If you are in pain, try not to move unless you must away from the accident for your own safety. Check on others who were involved and make sure they are OK as well. Don’t worry about fault yet, that will be figure out later. Call the authorities or an ambulance if necessary so they can tend to more serious injuries.
CALL YOUR INSURANCE COMPANY
Call your local Baton Rouge LA insurance company, like Cordell Insurance who serves the area, and tell them exactly what happened and how bad the damage is or the injuries are. The more information you can give them the better, because your word getting in first can often be the difference of who is or is not at fault and who will pay for the damages. Of course, you may want to keep it somewhat vague as they will probably do an investiagtion of their own.
GET THEIR INSURANCE
Regardless of who is at fault, get the other person’s or peoples insurance and make copies so you can get in touch with their insurance company as necessary. You also want to do this to make sure they have insurance, which means if they are at fault they will be paying for it. If they don’t you will be the one who unfortunately ends up paying for everything.