Auto Insurance

Liability

The law requires you to have the minimum limits of liability available in your state. Liability coverage will cover damages caused by you to another person or another person's property. It is important to have liability coverage to protect your assets because it will cover your expenses up to the policy limit, should you be at fault in an accident. There are three sections to your liability coverage.

Bodily Injury — If you injure someone or cause someone's death as a result of an automobile accident, this coverage will pay for claims up to the limit you selected.

Property Damage — If you are at fault in an accident, this part of the liability coverage will cover damage you cause to another vehicle or another person's property up to the limit you selected.

Medical Payments — If you are involved in an automobile accident, regardless of fault, this coverage covers medical and funeral expenses for you and others in the vehicle. In addition, it covers you and those listed on your policy, if struck by a car as a pedestrian.

Your professional ABC Agent will go over your options with you when you call or come into the office.

Comprehensive and Collision (Physical Damage)

The comprehensive and Collision part of your policy, covers damages to your vehicle or a vehicle you are operating with permission, up to the selected policy limit.

Collision — If you are involved in an accident and there is damage to your vehicle, you are covered under this part of the policy, regardless of fault. A deductible is attached to this coverage. If you are in an accident and file a claim under the collision part of your policy, you will be responsible for the deductible listed. Your professional ABC Agent will go over your options with you when you call or come into the office.

Comprehensive — Comprehensive coverage will cover you when you damage your car and your loss does not fall under collision coverage. Comprehensive coverage covers you for things such as hitting an animal, fire, vandalism, theft, glass brakeage and flood. Your professional ABC Agent will go over your options with you when you call or come into the office.

Uninsured Motorists

Uninsured motorist coverage covers you for a variety of things if you are involved in an accident where the other person does not have insurance or you are involved in a hit and run accident. This is a very important coverage to have, but it is elective. The great thing about uninsured motorist is that it covers you for medical related costs, an amount for lost wages, and other related expenses. Your professional ABC Agent will go over your options with you when you call or come into the office.

Underinsured Motorists

Just as there are people who do not have insurance, there are those that do not have enough insurance. When this happens, this coverage is what you want to have. It will cover expenses for medical and death when the other party does not have enough coverage.

Choosing a Deductible

If you are leasing or financing your vehicle, you will be responsible for the deductible before your insurance company will pay your qualified claim under comprehensive and collision coverages. In addition, there is a $250 deductible for uninsured motorist claims. If you choose a high deductible, your payments will be lower. Your professional ABC Agent will go over your options with you when you call or come into the office.

Personal Injury Protection

This coverage is optional. This coverage pays for medical expenses and 80% of lost income, regardless of who is at fault in the accident. The great thing about this coverage is that it also covers for services that you are unable to perform because of the auto accident. You, your family members, and your injured passengers are covered under the PIP coverage. Your professional ABC Agent will go over your options with you when you call or come into the office.

Medical Protection

This coverage is optional. Coverage pays for medical expenses in an accident, regardless of fault. This coverage does not cover lost income.

Rental Reimbursement

Should you have a covered loss, this coverage will allow you to rent a substitute vehicle while yours is being repaired up to the policy limits selected. Your professional ABC Agent will go over your options with you when you call or come into the office.

We know your time is valuable. When you call ABC, we do all the shopping for you from our select list of only the best insurance companies in the state. We offer terrific service, great rates, low down payments and affordable monthly payments for all drivers, even you have had tickets or accidents. We also offer great Safe Driver Discounts. Let us do the shopping for you. Call 1-877-222-3171 to speak to an agent today.

Homeowner Insurance (Louisiana)

Homeowner insurance is a must have if you own a home. A homeowner's policy will protect the structure of your home, personal property, and give you liability insurance in case someone injures himself or herself on your property. There are different types of homeowner policies. Your professional ABC Agent will walk you through the best policy for your situation.

Basics of Home Insurance

The consumers purchase a package policy that combines liability and property coverage. In Louisiana, there are five different type of Homeowner policies.

Dwelling — pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.

Personal property — pays for theft, damage, or destruction of the contents of your house, including furniture, clothing, and appliances

Liability — protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage. A homeowner's policy automatically provides $25,000 in coverage. You can buy up to $1 million in coverage for an extra premium.

Medical payments — pays medical bills for people hurt on your property. It also pays for some injuries that happen away from your home, such as your dog biting someone. A basic homeowner's policy pays $500 in medical bills. You can pay extra and get up to $5,000 in medical payments coverage.

Loss of use — pays additional living expenses if your home is too damaged to live in during repairs. Most policies pay 10 to 20 percent of the amount of your dwelling coverage.

Different Policies

• Basic Form — Covers your home and personal property. The perils on this policy include, fire and lightning, removal of property due to peril covered, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion, riot or civil commotion, glass breakage and comprehensive liability.


• Broad Form — Additional perils are added to this form. Additional perils such as, building collapse, freezing of or accidental discharge of water or steam from within pluming, heating/air conditioning systems, domestic appliances, falling objects, weight of snow, or sleet and rupture or bursting of hot water systems. It also provides compressive liability coverage.


• Special Form — All risks are covered under this policy, except those excluded on the policy. Certain exclusions are flood and earthquake coverage. There are special endorsements that would allow you to add back this coverage and can be discussed with your professional ABC Agent.


• Tenants Broad Form — Covers personal property only. No coverage is provided for the dwelling itself.


• Comprehensive Form — Insures a dwelling and personal property against all risks except certain specified perils, such as floods and earthquakes.

There are endorsements available to add the excluded coverages. Your professional ABC Agent will assist you.

Insurance Limits

The limits on your policy determine the amount of coverage you will get. It is important to get the right amount of coverage. Your professional ABC Agent will ask you questions about your property and assets to make sure you have the right amount of coverage.

Payment of Loss

Should you experience a loss, you will receive payment based on your policy.

Replacement Cost — Will replace property at the replacement cost up to the limits on the policy.

Actual Cash Value — Will replace property up to the limits on the policy at the actual cash value at the time of loss.

We know your time is valuable. When you call ABC, we do all the shopping for you from our select list of only the best insurance companies in the state. We offer terrific service, great rates, low down payments and affordable monthly payments for all drivers, even you have had tickets or accidents. We also offer great Safe Driver Discounts. Let us do the shopping for you. Call 1-800-708-0123 to speak to an agent today.

Homeowner Insurance (Texas)

Homeowner insurance is a must have if you own a home. A homeowner's policy will protect the structure of your home, personal property, and give you liability insurance in case someone injures himself or herself on your property. There are different types of homeowner policies. Your professional ABC Agent will walk you through the best policy for your situation.

Basics of Home Insurance

There are policies that only cover the structure of your home. Most consumers purchase a policy that combines five different coverages into one policy.

Dwelling — pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.

Personal property — pays for theft, damage, or destruction of the contents of your house, including furniture, clothing, and appliances

Liability — protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage. A homeowners policy automatically provides $25,000 in coverage. You can buy up to $1 million in coverage for an extra premium.

Medical payments — pays medical bills for people hurt on your property. It also pays for some injuries that happen away from your home, such as your dog biting someone. A basic homeowners policy pays $500 in medical bills. You can pay extra and get up to $5,000 in medical payments coverage.

Loss of use — pays additional living expenses if your home is too damaged to live in during repairs. Most policies pay 10 to 20 percent of the amount of your dwelling coverage.

Different Policies

• HO-A policies provide extremely limited actual cash value coverage of your home and its contents. Only the types of damage specifically listed in the policy are covered.


• HO-B policies provide replacement cost coverage for most types of damage, except those specifically excluded in the policy.


• HO-C policies provide the most extensive coverage, but they are more expensive than other types of policies.

Coverage Basics

Most Policies Cover Losses Caused by:	Most Policies Do Not Cover Losses Caused by:
Fire and lightning	Flooding
Aircraft and vehicles	Earthquakes
Vandalism and malicious mischief	Termites
Theft	Insects, rats, or mice
Explosion	Freezing pipes while your house is unoccupied (unless you turned off the water or heated the building)
Riot and civil commotion	Wind or hail damage to trees and shrubs
Smoke	Losses if your house is vacant for 60 days or more
Windstorm, hurricane, and hail	Wear and tear or maintenance
Sudden and accidental water damage	Water damage resulting from continuous and repeated seepage

 

There are endorsements available to add the excluded coverages. Your professional ABC Agent will assist you.

Insurance Limits

The limits on your policy determine the amount of coverage you will get. It is important to get the right amount of coverage. Your professional ABC Agent will ask you questions about your property and assets to make sure you have the right amount of coverage.

Payment of Loss

Should you experience a loss, you will receive payment based on your policy.

Replacement Cost — Will replace property at the replacement cost up to the limits on the policy.

Actual Cash Value — Will replace property up to the limits on the policy at the actual cash value at the time of loss.

We know your time is valuable. When you call ABC, we do all the shopping for you from our select list of only the best insurance companies in the state. We offer terrific service, great rates, low down payments and affordable monthly payments for all drivers, even you have had tickets or accidents. We also offer great Safe Driver Discounts. Let us do the shopping for you. Call 1-877-222-3171 to speak to an agent today.

Flood Insurance

Homeowner policies do not provide coverage for the peril of flood. Every flood policy is unique to your address and information. Please contact us today, so we can discuss your options and ensure proper coverage of your assets.

We know your time is valuable. When you call ABC, we do all the shopping for you from our select list of only the best insurance companies in the state. We offer terrific service, great rates, low down payments and affordable monthly payments for all drivers, even you have had tickets or accidents. We also offer great Safe Driver Discounts. Let us do the shopping for you. Call 1-800-708-0123 if you are in Louisiana or 1-877-222-3171 if you are in Texas.

Watercraft Insurance

Every watercraft policy is unique to the craft you own. Please contact us today, so we can discuss your options and ensure proper coverage of your assets.

We know your time is valuable. When you call ABC, we do all the shopping for you from our select list of only the best insurance companies in the state. We offer terrific service, great rates, low down payments and affordable monthly payments for all drivers, even you have had tickets or accidents. We also offer great Safe Driver Discounts. Let us do the shopping for you. Call 1-800-708-0123 if you are in Louisiana or 1-877-222-3171 if you are in Texas.

ATV / Motorcycle Insurance

Basics of Motorcycle / ATV Insurance

When you drive a motorcycle or an ATV, you need proper coverage. Protecting your investment is important to us. Please contact a professional ABC Agent today to review the variety of coverages for your needs.

Coverages

Motorcycle and ATV coverage work much like your automobile policy.

Liability — If you live on state owned land, you will need liability coverage. If you cause damage by your ATV, liability coverage will cover their physical damage, as well as injuries to others up to the policy limits.

Collision — Your policy will pay for damage to your motorcycle or ATV if you collide with another vehicle or object.

Comprehensive — Your policy will pay for damage to your motorcycle or ATV for events that do not fall under collision. Examples include, theft and fire.

Uninsured/Uninsured Property Damage — Your policy will pay for lost wages and medical expenses when the at-fault driver does not have insurance.

Underinsured/Underinsured Property Damage — This coverage is designed to cover the gap between what the cost of damage is as a result of the accident caused by another person and their liability coverage, up to the limits selected.

Medical Payments — This coverage pays for necessary medical care, regardless of fault, up the limits selected.

We know your time is valuable. When you call ABC, we do all the shopping for you from our select list of only the best insurance companies in the state. We offer terrific service, great, rates, low down payments and affordable monthly payments for all drivers, even you have had tickets or accidents. We also offer great Safe Driver Discounts. Let us do the shopping for you. Call 1-800-708-0123 if you are in Louisiana or 1-877-222-3171 if you are in Texas.