If you need auto insurance in Gretna, Harvey, Metairie or New Orleans, then the Botsay agency can help. They are also registered notaries and can help you with a range of notarial services. Some amount of auto insurance is compulsory if own a car. This is usually in the form of liability insurance that covers you should you face 3rd party claims for damage or personal injury. Liability or 3rd party insurance only covers damages and losses suffered by others because of your negligence. Liability insurance does not cover your personal losses.
Auto insurance can also provide you with additional coverages such as collision coverage and comprehensive coverage. Collision coverage is important if you want cover your own vehicle damages that result from a road accident. Without collision insurance, you will need to pay for your own repairs. In the event of a road accident, you also face the risk of personal injury and related hospital and medical fees. You may want to consider some type of personal injury protection plan.
If you want cover risks other than a road accident, then you will need to consider some form of comprehensive insurance. This type of coverage can be useful in the event of storm damage, auto theft, loss of goods in transit, road side assistance and alternative transport.
Auto insurance can cover your main car as well as other cars and vehicles you might own. Auto insurance can extend beyond car insurance. You can use auto insurance to cover your boat, motorcycle, trailer, snowmobile, off road vehicle and so on. When you insure multiple vehicles, you will likely get a better deal from the insurance company. Other positive factors such as a safe area, a good driving record and anti-theft devices can be useful in negotiating lower auto insurance rates.