Why You Need More Than Minimum Liability Auto Insurance

Why You Need More Than Minimum Liability Auto Insurance

July 6, 2019

When you need auto insurance in Thibodaux, LA, you might be tempted to settle for the minimum liability coverage—but if you get into an accident, you don’t want to regret your choice of policy! Not only is liability insurance required by law, but it can help protect you from having to deal with expensive repair, medical and legal bills. Liability insurance typically covers medical bills and property damage, meaning that your coverage will kick in to help pay for any bodily injury or property damage you are responsible for causing.

Most states require you to have liability insurance at a minimum, and in some cases—for example, when you have an outstanding loan on your vehicle—you may actually be required to have full coverage. Here are some of the top reasons that you should consider maximizing your auto insurance coverage, no matter what the state might require:

  • Property damage. It’s not just cars that can get damaged in a collision—sometimes homes and businesses are affected, too. Whether you run into a tree, structure, mailbox, guardrails or another car, you’ll want to know how much your policy will cover and what your deductible may be. It makes sense to get as much coverage as you can reasonably afford, because you can be sued for any amount that your insurance doesn’t cover. Chat with Bourgeois Insurance Agency, LLC’s friendly team to make sure your policy won’t leave you in the lurch.
  • Medical bills. Do you know what your financial liability is when people are injured in an accident? Your policy will have a set amount that will be paid for pain, suffering and medical bills, but coverage can vary per person and per accident. For example, if your policy is a standard 20/40 policy, insurance might cover up to $20,000 per person involved in the accident, but cap the payout at $40,000 for the entire accident. It’s simple math: if there are more than two people in the car, or the damages exceed that number, you could be on the hook for more than you can afford.
  • Extra coverage. When you’re tailoring your auto insurance policy, there are other kinds of coverage that may be useful for your needs. Comprehensive coverage can include damage from animals—we’ve all seen what deer can do to cars—as well as vandalism, theft, storms and more, subject to a deductible. There are also options like rental insurance, gap insurance and roadside assistance. While you might not want or need every extra coverage option, it’s worth exploring your choices.

When you’re ready to discuss your options for auto insurance in Thibodaux, LA, contact us and get a quote from Bourgeois Insurance Agency, LLC. We’re a small, independent agency who will work with your lifestyle, budget and specific insurance needs. Got questions? Contact us for a complimentary consultation, and we’ll make sure you understand what’s already covered under your policy and how to maximize your auto liability insurance, so you’ll never have to worry about unpleasant surprises.


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