What does liability auto insurance cover in Baton Rouge, LA?

Many people only choose to get the minimum required insurance. If you have a loan on your vehicle, the bank holding the loan probably requires you to keep full coverage. However, if you have paid off your vehicle, you may only need to carry liability coverage as state law requires. Cordell Insurance can help you understand what liability insurance covers so you can decide how much coverage is right for you.

Liability Auto Insurance In Baton Rouge, LA

There are two basic components to liability auto insurance in Louisiana: This only applies in accidents where you are at fault.

  1. You are required to carry a minimum amount of coverage for bodily injury that you may cause to someone else in an accident. There is also a minimum amount per accident. 
  2. You have to carry a certain amount of coverage if you cause property damage to someone else’s vehicle.

If you get the minimum coverage required, your coverage could quickly reach your policy’s maximum. You are responsible for paying for anything beyond your coverage maximum.

Other Kinds Of Coverage

As you can see, the minimum amount of coverage is a very small amount of protection. The amount isn’t very much, and it doesn’t cover anything for you at all. Here are just a few of the items not covered by liability insurance:

  • Your own injuries and property damage
  • If you hit a pole or fence
  • If you hit an animal
  • Vandalism or theft 

Even a minor accident could deplete your savings. If you want to explore your options for better protection in Baton Rouge, LA, please call Cordell Insurance today.

Boat Insurance for Even the Most Turbulent Waters

If you live in or around Baton Rouge, LA, you probably find time on the water as natural as breathing. For boat owners looking to protect their boats and their home away from home on the water, boat insurance with reliable and experienced professionals like Cordell Insurance can help. 

It doesn’t matter if it is a sailboat, motorboat, or any other type of watercraft. Our seaworthy vessels don’t come cheap. That also means that our boats are an investment worth protecting.

Boat Insurance: Your Safety Anchor

If your boat is damaged as the result of a storm, you don’t want to be overcome by the wave of expenses and repairs that follow. And if you are the victim of theft, how much would it cost to replace your boat?

The real question is less about needing boat insurance but having the protection you need. That is also why the professionals at Cordell Insurance are here to help with any questions and to ensure that you have the coverage to protect your vessel from the most turbulent waters.

Are you shopping for insurance plans or considering boat insurance to protect your boat? Then look no further than Cordell Insurance for all your boat insurance needs and solutions. Anchor your vessel and keep it safe with the protection you can count on and the right boat insurance plan.

Your Boat Insurance Pros

Thank you for being so interested in Cordell Insurance, where we offer boat insurance options for people in and around Baton Rouge, LA. Don’t let an accident, theft, or dangerous storms sink your ship, and get the protection you need to keep your boat in tip-top shape at Cordell Insurance. Contact us today for more information and stay afloat with your boat insurance pros.

RVs and Off-Roading Adventures: Specialized Insurance for the Rough Terrain

RVs offer a unique way to explore the great outdoors, providing comfort and convenience while on the road. Many RV enthusiasts in and around Baton Rouge, LA, however, seek adventure beyond paved highways and embark on off-roading journeys into rugged terrain. While these off-road excursions can be exhilarating, they also come with risks requiring specialized insurance coverage.

The Thrill of Off-Roading Adventures

Off-roading adventures take RV enthusiasts to remote and challenging environments, from rocky trails and desert dunes to forested backcountry roads. These experiences allow travelers to connect with nature in ways that traditional RV camping cannot provide. 

The Risks Associated with Off-Roading

Off-roading exposes RVs to various risks, including damage from rocks and debris, accidents on uneven terrain, and the possibility of getting stuck in remote areas. Additionally, emergency assistance may be more challenging to access because off-roading often occurs in isolated locations.

Specialized Coverage for Off-Roading RVs

Insurance companies recognize off-roading adventures and have developed specialized policies addressing the risks. These policies typically include coverage for:

  1. Off-Road Damage: Unlike standard RV insurance, specialized policies cover damages sustained while off-roading, such as collision with obstacles or terrain-related issues.
  2. Emergency Assistance: Off-roading often occurs in remote areas where traditional roadside assistance may be unavailable. Specialized insurance often provides emergency towing and assistance services tailored to these conditions.
  3. Equipment Coverage: Off-road enthusiasts frequently modify their RVs with specialized equipment like lift kits, heavy-duty tires, and off-road lighting. 
  4. Personal Property Protection: Like traditional RV insurance, specialized coverage includes protection for personal belongings inside the RV.
  5. Liability Coverage: Accidents can still happen off-road, and liability coverage is essential.

Cordell Insurance Can Help You with RV Insurance

At Cordell Insurance, we can answer all your questions concerning RV insurance. We assist the Baton Rouge, LA region. Contact us today.

How Does Umbrella Insurance Work?

Having enough insurance coverage is highly important. It’s essential to have certain types of insurance so that you’re protected against various risks. If you already have home and auto insurance policies, you have the coverage you need… or do you? You may have the required amount of coverage mandated by your lender and the state. However, there are many different kinds of coverage in these policies. One of them is liability insurance. Home and auto policies each have some liability coverage, but they may not be enough for a severe accident. That’s why you need umbrella insurance to give you enough coverage to meet serious medical bills. Contact us at Cordell Insurance in Baton Rouge, LA when you need more coverage. 

More Liability Coverage

Your liability coverage is there to pay for the medical bills of others if they should become injured in your home or by your vehicle. Your home and auto insurance likely have a minimum amount of this coverage. If you don’t have much of this coverage, adding more liability coverage onto your home and auto policies can be highly expensive. When you get an umbrella insurance policy, it adds to both of those policies at once. It costs much less than getting more coverage added directly to both policies. 

Covering Overages

If you don’t have umbrella insurance and a serious accident happens, your home or auto policy may not be enough to pay all medical bills. This would leave an overage for you to pay by yourself. When you get umbrella insurance, it comes with a very high maximum payout that will cover most accidents, even if they’re serious. 

Get Umbrella Insurance

When you want better protection, call us at Cordell Insurance in Baton Rouge, LA to get started.

Three flood insurance mistakes you don’t want to make

Getting flood insurance to protect your property is essential. Unfortunately, consumers sometimes make mistakes that cost them down the road regarding flood insurance.

At Cordell Insurance, we provide flood insurance to Baton Rouge, LA consumers. The following are three flood insurance mistakes you don’t want to make. 

Assuming that floods aren’t a big enough risk in your area

You don’t have to live in a high-risk flood zone to need flood insurance. Flood damage can happen almost anywhere.

It could cost you in many ways if you don’t buy flood insurance because you think it’s unnecessary in your area. When floods occur, they can destroy homes and homeowners’ possessions. 

Choosing the flood insurance policy with the lowest premiums

You must consider more than just premium costs when choosing a flood insurance policy. You need to consider the quality of the coverage you’re getting.

Research the history of insurance providers and find a provider with a track record for high customer satisfaction. Premium costs should be only one of many factors you consider when you buy a policy. 

Thinking that you can’t get flood insurance because you’re a renter

Renters should know that they can buy flood insurance. When you purchase flood insurance as a renter, you protect your possessions in your rental unit from damage caused by flooding.

You should carry flood insurance if you rent a home in an area where flooding is possible. 

If you are exploring flood insurance options in Baton Rouge, LA, we can help you at Cordell Insurance. We’re here to offer you a policy quote and answer any questions you have about insuring your home against flood damage. 

What Type of Life Insurance to Choose

There are a few types of life insurance to choose from when you want to secure coverage. If you want life insurance to protect your family or business partner, you can count on Cordell Insurance. We are proud to serve the Baton Rouge, LA, area and help them get protection from unexpected events. 

Life insurance Policies

The primary life insurance policy types currently available include the following. 

  • Term
  • Whole life
  • Universal
  • Variable 

In most instances, people choose a policy based on their future needs and can benefit significantly by selecting the right policy or mix of policies. It is possible to have more than one policy and more than one beneficiary for each policy. Regarding retirement needs, you may choose whole life or universal–depending on your goals and flexibility requirements. 

If you are interested in securing life insurance, our agents can assist you with selecting the right policy to match your goals. We can work closely with you to submit documentation and information to secure the policy purchase. We are also there to assist with any claims or changes during the policy’s lifetime. 

Reach Out to Cordell Insurance Today

Life insurance is a wonderful tool to provide you with financial protection. If you want to determine which type of life insurance suits your needs, call or stop by Cordell Insurance, serving Baton Rouge, LA, to speak with an agent. Our licensed life insurance agents are dedicated to providing you with the information and services you need to make an informed decision that can protect the things that matter the most. Find out how we can help and give your loved ones or business partners the protection they need in the event of your untimely passing. 

The Impact of Smart Home Technology on Home Insurance

In today’s fast-paced world, smart home technology has become increasingly popular, offering homeowners a wide range of benefits, from improved security to increased energy efficiency. At Cordell Insurance in Baton Rouge, LA, we understand the impact of innovative home technology on home insurance and the potential advantages it can offer to policyholders.

Smart home technology encompasses a variety of devices and systems designed to automate and enhance various aspects of daily living, such as security, lighting, and temperature control. This advanced technology can positively impact home insurance by potentially reducing the risk of property damage, theft, and other incidents that could lead to insurance claims. For example, an intelligent security system can help deter burglars, while a smart thermostat can prevent costly damage from frozen pipes.

Numerous insurance firms acknowledge the advantages of smart home technology, offering deductions or incentives to policyholders with such devices installed. Collaborating with an experienced agent at Cordell Insurance in Baton Rouge, LA, enhances your understanding of these potential discounts, enabling you to select a blend of coverage that aligns with your distinct homeowner needs.

Smart home technology is about enhancing convenience and efficiency in your daily life, potentially improving your home insurance coverage, and reducing your premiums. We encourage you to engage with our skilled team to gain a deeper understanding of how smart home technology influences home insurance and discover how Cordell Insurance can assist you in identifying the ideal policy in Baton Rouge, LA. With unwavering dedication, we aim to equip you with bespoke insurance strategies that ensure the safety and security of your household and loved ones in today’s technologically advanced era.

Does Regular Auto Insurance Adequately Cover My Classic Car?

Yes, technically, standard car insurance may cover your classic car. However, it won’t cover everything you need to keep your vintage vehicle in top condition. You can rely on an agent from Cordell Insurance in Baton Rouge, LA to walk you through your car policy so that you understand your options.

Regular Car Insurance May Not Pay Enough

With your standard policy, mileage, depreciation, and age all factor into how much insurance coverage you can get. Putting sweat equity and real money into restoring your vehicle might fall far short of its true value.

Fortunately, you have other options. Classic car insurance policies are specifically designed to protect your valuable antique vehicle. Additionally, this type of policy also covers perils unique to classic cars.

What Does Classic Car Insurance Cover?

With classic car insurance, you’re covered for some of the same things as a standard policy. This may include comprehensive, collision, bodily injury, and property damage. However, you can also add more coverage for your peace of mind. For example, you can cover the car’s actual cash value rather than its contemporaries’ book value.

We can help you negotiate the true value of your vehicle with your insurance company. Classic cars, unlike other vehicles, can appreciate over time. Therefore, you need a flexible policy that allows you to adjust your coverage to the actual cash value.

You’re going to want classic car insurance that will help pay for restoration in case of an accident. With the right insurance, you can get the help you need to pay for engine components, wheels, and other parts that are expensive and hard to find.

Contact Cordell Insurance in Baton Rouge, LA to learn more about the differences between regular and classic car insurance. One of our agents can explain your existing coverage and how to adjust it for coverage gaps.

Is Boat Insurance Required in Louisiana?

According to the experienced and knowledgeable agents at Cordell Insurance, serving the Baton Rouge, LA area, boat insurance is not legally required in Louisiana. Still, there are several great reasons to have a policy anyway.

Remember that if you finance your boat, your lender will more than likely require you to have boat insurance until the loan for your beloved watercraft is paid off. Some marinas may also require your boat to be insured for you to be able to use their facilities.

Listed below are the different types of boat and watercraft insurance coverage options that are available to protect the investment you have made.

Boat and Watercraft Insurance Coverage Options

Liability Boat Insurance

Liability boat and watercraft insurance will assist you in paying for any expenses associated with an accident that is your fault. For instance, if you have an accident with another boat, a liability insurance policy will help you pay for any property damage to the other person’s boat and any injuries caused by the accident.  

Comprehensive and Collision Insurance

Comprehensive boat insurance coverage will come in handy if a fire damages or destroys your boat. You never know what may happen in the future, such as a natural disaster or an act of vandalism. Comprehensive boat insurance will assist you in these situations, also. Even if your boat is stolen, a comprehensive boat insurance policy can help you tremendously.

Collision insurance is great to have in place if your boat collides with another boat or watercraft while out on the water or collides with a stationary object.

Call for a Quote!

To create the best boat insurance policy for you and your situation, contact the boat insurance agents at Cordell Insurance, serving the Baton Rouge, LA area today!

Why You Should Get RV Insurance Before Your First Roadtrip

When you have an RV, our team of professionals at Cordell Insurance serving Baton Rouge, LA are happy to explain how important it is to cover it adequately for emergencies, disasters, and more. Even if you have yet to take the vehicle for a test drive, it’s never too early to buy an RV insurance policy for your recreational vehicle.

What is RV insurance?

RV insurance is like automobile insurance for a recreational vehicle, also known as an RV. 

What does RV insurance cover?

While every policy is different, RV insurance tends to cover liability, medical, damage, repairs, replacement in the case of theft, and more.

Why should I get RV insurance before I hit the road?

Even if your first road trip isn’t set to start until several months, it is still important to have RV insurance for several reasons. Firstly, even if you don’t drive your RV yet, RV insurance can still be a useful policy to have. In a disaster that damages the RV or theft of a recreational vehicle, RV insurance policies can help cover the costs of fixing or replacing the vehicle so that your plans and finances aren’t disrupted heavily by these unexpected events. 

Additionally, having RV insurance in place when you purchase the RV ensures that the policy will have time for the coverage to start. In some cases, insurance takes time for some or all of the policy’s coverage to kick in. While you may not feel like you need RV insurance today, it’s better to have coverage when you need it than not have it in an emergency.

For peace of mind, call Cordell Insurance for RV insurance in the Baton Rouge, LA area.