Auto Insurance

Auto insurance is legally required for all drivers in the United States, but the legal requirements for insuring motor vehicles varies from state to state. That’s why you want a local insurance agent to help you get the right coverage at the best prices. Your car insurance will help you get back on the road quickly in the event of an accident, and it may also cover you against medical losses, legal expenses and property damage.

The Best Value for Your Money

When you pay for car insurance, your insurance company promises to cover certain damages related to automobile use and ownership. At Schilling and Reid Insurance, we specialize in helping clients get the best value for their money. Our agents will review policies with you and help you find affordable coverage that will protect your personal assets in case of accident, theft, fire or other disaster. Some of our customers only need the legal minimum coverage. Others, however, choose more extensive coverage that will keep them from a financial crisis in the event of an accident. All of our policies come with agents who can help you get the best value for your situation.

Legal Requirements

Louisiana drivers are required to have the following auto insurance coverage:

• A minimum of $15,000 of bodily injury liability coverage per person and a minimum of $30,000 per accident
• A minimum of $25,000 in coverage for property damage liability
• A minimum of $1,000 in medical payment coverage, which can be waived
• A minimum of $15,000 per person and $30,000 per accident in coverage for uninsured motorist bodily injury, which can be waived

Although these sums may seem like reasonable amounts, medical costs from an accident as well as the cost of property damage can easily rise much higher. Our agents can discuss with you the risks and benefits of insuring your automobile at these minimum rates. We will take into account the type of vehicle you drive, the number of passengers you carry, and the miles you drive each week to determine what coverage you need. As these factors often change, we encourage our customers to schedule regular reviews of their auto insurance policies. This way you can make certain your policy covers your current needs.

To learn more about affordable, effective car insurance in Amite, Louisiana, contact us today.