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re: What is your car insurance premium and what company? (Mainly LA folk but whatever)
Posted on 9/15/23 at 7:03 am to offshoretrash
Posted on 9/15/23 at 7:03 am to offshoretrash
Auto rates are up nationwide due to inflationary factors, parts and labor cost are through the roof. Louisiana has additional pressure due to the number of law suits filed for injury claims. Too many people think that a auto accident is a lotto ticket for free money. Claims are paid from your premiums paid, the more claims the higher the premiums. We need a Governor and legislature that are not controlled by the bar association, so we can have real tort reform and insurance reform in Louisiana.
1
Posted on 9/15/23 at 7:47 am to G-man
Besides repair costs, rental costs are astronomical. Gone are the days you could pick up an insurance rental from enterprise for 25 day for up to 30 days. Now that probably up to 40-50 dollars a day.
Coverage is limited if you were in the wrong meaning once that 30 day period is over you are paying out of pocket, and this is also rider so you pay extra for it in your premium. I have not seen State Farm increase this option except to go with a policy max for rental coverage for x dollars.
Now if you’re not in the wrong, the other party is paying for your rental regardless of the cost.
Coverage is limited if you were in the wrong meaning once that 30 day period is over you are paying out of pocket, and this is also rider so you pay extra for it in your premium. I have not seen State Farm increase this option except to go with a policy max for rental coverage for x dollars.
Now if you’re not in the wrong, the other party is paying for your rental regardless of the cost.
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