Source: www.ldi.state.la.us
Topic: Car Insurance
Sort Desciption: Teenagers Guide to Auto Insurance Teenagers Guide to Auto Insurance Car insurance protects you if anything happens to you, your car, someone else or someone elses car because of you.
Content Inside:
Teenagers
Guide to Auto
Insurance
Teenagers
Guide to Auto
Insurance
Car insurance protects you if anything happens
to you, your car, someone else or someone
elses car because of you. There are many different
polici es you can choose from, depending
on what sort of coverage you want.
z
Liability coverage pays claims if you are
responsible for hurting another person or for
damaging another persons property.
z
Uninsured motorists coverage comes in
two parts, which must be purchased separately.
If you are hit by someone who does
not have insurance, Bodily Injury coverage
pays for your injuries, while Property Damage
coverage pays for damage done to your
car.
z
Collision coverage pays if your own car is
damaged in a collision.
z
Comprehensive coverage pays for damage
to your car, such as theft, vandalism, glass
breakage, etc.
z
Medical expense coverage pays medical
and funeral expenses for you and your pas-
sengers.
Louisiana
Department
of Insurance
Office
of
the
Commissioner
P.O.
Box
94214
Baton
Rouge,
LA
70804-9214
How does my insurance company
decide how much my policy will
cost?
The cost, or premium, for your insurance is based
on:
•
your driving record
•
the make, model and age of your car
•
your age
•
your sex
•
where you live
•
whether you are the primary or secondary
driver of the car
•
how far you drive to and from school or work
When I get my license, will my
parents insurance cover me?
When you get your license, your parents can
add your name to their policy as an occasional
driver because youre driving their car. When
you get a car of your own, you must be listed as
the primary driver of that car.
What if I dont have insurance?
Auto insurance is required by law in Louisiana.
If an officer stops you and you dont have insurance,
...
teenagers guide to car insurance