Commercial Auto Insurance - Covington LA
At TWFG Luarca Insurance, we understand that your vehicles are essential to your business operations. Commercial auto insurance is specifically designed to cover vehicles used for business purposes, including cars, trucks, and vans. This coverage protects your vehicles against damage and provides liability protection for driver injuries and damages to others.
Commercial Vehicle Insurance Covington LA
If you use your vehicle(s) for business purposes, get your free online commercial auto insurance quote from TWFG today! With over a decade of experience, we are committed to providing specialized coverage tailored to your business needs at an affordable price. No matter the size of your operation, we will customize a policy that fits your specific requirements.
FAQ's About Commercial Auto
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Liability Insurance CoverageLiability insurance is required by law to cover property damage or bodily injuries resulting from an accident you cause. However, it does not cover injuries you or your family; for that, you will need Personal Injury Protection and Medical Payments coverage. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Required Liability Coverage in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage You can always choose higher limits for added protection.
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Uninsured/Underinsured Motorist CoverageLouisiana Law requires insurance carriers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage, however it is not a mandatory component of your auto insurance policy. This coverage protects you in the event of an accident caused by a driver lacking insurance or insufficient coverage. Minimum Required UM/UIM Coverage in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) You can select higher limits if you desire increased protection.
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SR-22 InsuranceSR-22 insurance serves as a liability document for high-risk drivers. It demonstrates your financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. It is typically mandated by the state for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations. Been involved in an accident without proper insurance coverage. If you fall into one of these categories, you must obtain an SR-22 from your insurance provider, which will be filed with the Louisiana Office of Motor Vehicles (OMV). It's important to maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.
Commercial Business Insurance
In addition to commercial auto insurance, TWFG Luarca Insurance offers comprehensive commercial business insurance. This type of coverage is essential for protecting your business assets, including property, equipment, and liability exposure. Commercial business insurance can include:
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General Liability Insurance: Protects against claims of bodily injury and property damage.
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Property Insurance: Covers damage to your business property due to fire, theft, or vandalism.
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Workers' Compensation Insurance: Provides coverage for employees injured on the job.
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Business Interruption Insurance: Compensates for lost income during unexpected closures.
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Whether you're a small business owner or manage a larger operation, our team of experts can help you tailor a policy that meets your specific needs and keeps your business protected.
