Author: WIN Admin

Allstate House Insurance Lake Charles Louisiana

Posted on by WIN Admin

Looking for Allstate Insurance in Lake Charles Louisiana?

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If so, you have found the right place!

Jeff Davis Insurance is a leading Independent Agency in Lake Charles Louisiana representing Allstate Insurance in addition to many other top rated insurance carriers.

Call us directly at 337-824-4455 when you need quotes for automobile or Allstate home insurance in Lake Charles. 

Online Quotes for Home Insurance in Lake Charles are Available 24 Hours per Day! 

Use the links shown below for online quotes:

In a previous post we discussed the importance of reading your insurance policies and understanding the terms and conditions of the typical Louisiana home insurance policy.

In addition we analyzed the property section of the homeowner’s insurance policy.

In this article we will discuss the liability section of the homeowner’s insurance policy. 

Allstate Home Insurance Lake Charles Louisiana – What Is Liability Insurance and Why Do I Need It?

Personal liability protects you from claims and lawsuits due to injuries or property damage that you or others covered by your policy cause, or are legally responsible for. 

Claims Example:  Tim along with his wife Julie are invited to your home for a backyard cookout before the official end of summer.  As Tim is walking down the stairs of your deck a loose board gives way causing Tim to fall down the stairs breaking his left leg.

Tim requires surgery and is off work for six weeks due to the accident in your home and has medical bills amounting to $27,815 in addition to the $6,000 he loses due to time off from work.

In this situation it is likely that your homeowner’s insurance policy may cover the medical expenses and provide compensation to Tim. Additionally if Tim files a lawsuit, your home insurance policy will provide a legal defense. 

Lake Charles Allstate Home Insurance – Liability Sections:

The liability section of the homeowner’s insurance policy is usually broken down into two sections:

  • Coverage E – Personal Liability
  • Coverage F- Medical Payments to Others

Other companies may use different terminology to describe this coverage. For instance the Lake Charles Allstate Home Insurance Policy makes reference to this coverage as: Coverage X Family Liability Protection.

Please note how Allstate defines their duty for claims under Coverage X:

Coverage X Family Liability Protection: 

Losses We Cover Under Coverage X: 

Subject to the terms, conditions and limitations of this policy, Allstate will pay damages which an insured person becomes legally obligated to pay because of bodily injury or property damage arising from an occurrence to which this policy applies, and is covered by this part of the policy. 

We may investigate or settle any claim or suit for covered damages against an insured person. If an insured person is sued for these damages, we will provide a defense with counsel of our choice, even if the allegations are groundless, false or fraudulent. We are not obligated to pay any claim or judgment after we have exhausted our limit of liability.

Naturally any insurance company would investigate the individual claim to determine whether or not liability is evident.

In our next article we will discuss exclusions of coverage in the home insurance policy you need to pay special attention to. 

Shopping for Allstate House Insurance in Lake Charles Louisiana? 

We can help!

Call and speak with our licensed agents by dialing 337-824-4455 or use our convenient online rate quote system that is available 24 hours per day when you choose one of the below links:

Commercial Garage Insurance Louisiana

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Garage Liability InsuranceGarage Liability Insurance Companies Louisiana-One Call Away!

Shopping for commercial garage insurance in Louisiana is super easy and convenient when you contact Jeff Davis Insurance at 337-824-4455.

As a leading independent agency in Louisiana we offer garage insurance for mechanics, auto body repair, and dealerships throughout the state.

Auto Garage Insurance Louisiana – Is This Covered by My Policy?

Insuring your business can be tricky especially if you do not pay close attention to what is covered or not covered by your Louisiana garage insurance policy.   Will your garage insurance policy cover every situation?

Let’s examine a claim scenario to see how coverage may or may not apply.

Bobby Henderson the owner of Henderson’s garage needs at least two new mechanics for his busy garage and seems to be having trouble finding good ones to hire.

Bobby decides to take a chance and hire Jerry Shortcut.  

Bobby was a little uncertain about Jerry because he had I spotty work history plus he really didn’t have much experience working on vehicles but he decides to give Jerry a shot.

Bobby has Jerry work with one of his more experienced mechanics Don.

Previously Jerry failed to clean up an oil spill that caused one customer Mildred to fall on her back earlier in the day.

Naturally Jerry didn’t want to fess up to his mistake but his last name rightly describes his personality. Jerry takes shortcuts on everything and tries to work as little as possible.

Don instructed Jerry repeatedly about the importance of making sure he is careful as he drives cars over the Oil changing pit to give the oil techs a heads up to avoid accidental injuries.

Jerry sees a customer pulling up for an oil change and he notices that it’s almost break time so he gets in the customers car and drives the car over the oil pit failing to warn Steve. Steve sees the car coming at the last second and ducks but it’s too late Jerry runs over Steve’s left hand crushing it.

The accidental injury could have been far worse. The bad news is that Steve will likely never be able to have full use of his left hand due to the injury. Jerry of course is immediately fired and Steve hires an attorney to sue Henderson’s garage for unsafe working conditions.

Will the Henderson’s garage insurance policy provide coverage for this million dollar lawsuit?

We will discuss the answer in our next post.

Great Rates on Garage Insurance in Louisiana – One Call Away!

With Jeff Davis Insurance you will receive more than a good price on your business insurance needs.   Call us today at 337-824-4455 when you’re shopping for Louisiana garage insurance.

We are here to help.

Louisiana Garage insurance also available in the following areas:

Car Insurance Lafayette Louisiana

Posted on by WIN Admin

When shopping for car insurance in Lafayette Louisiana would you rather have the best rates or the best service?

What if I told you both are possible?  The Jeff Davis Insurance Agency has provided insurance solutions to thousands of policyholders throughout the state of Louisiana for more than 50 years!

Call us directly by dialing 337-824-4455 for quotes on home or car insurance in Lafayette Louisiana or the surrounding areas. Or use our online rate quote system that is available 24 hours per day when you click on Car Insurance Lafayette La.

One Way You Are Not Covered When You Lend Your Vehicle to Another Driver.

In a previous article Carson Bertrand borrows his girlfriend Stephanie’s vehicle. Will Stephanie and Carson be covered if he causes an accident?

Let’s find out. 

Carson takes up Stephanie on her offer to borrow one of her spare cars and he is driving down to the beach to hang out with one of his other girlfriends the following Friday when he receives a text message from Stephanie.

Stephanie learns Carson is heading to the beach with another girl and is breaking up with Carson and wants her car back immediately!

Carson calls Stephanie on the phone making up a halfway believable story and convinces her he’s ‘working’ and not in a position to bring the car back right away. Stephanie agrees to meet Carson on Monday.

As soon as he gets off the phone with Stephanie his ex-wife calls demanding that he pay his overdue child support soon or he’s going to jail!

Speaking to his ex-wife always upsets Carson and in the heat of the moment he takes his eyes off the road for just one or two seconds not noticing a minivan in front of him suddenly stopped.

Carson, driving Stephanie’s 2001 Porsche Boxster slams into the Ford mini-van going about 25 mph and the Porsche is destroyed, the minivan is badly damaged, and Carson along with one passenger from the minivan are transported to the hospital.

Claim Denied!

A claim is turned into Stephanie’s insurance company and after an investigation they deny coverage for the damage to the Porsche and minivan and the injuries to all of the passengers in question.

Why was this claim denied? Please note the policy language of Stephanie’s policy:

General Exclusions. We do not provide coverage under this Section for any person:

Loss occurring while “your covered auto” is being operated by a person who lacks a driver’s license, or whose driver’s license is suspended or revoked, or who has a restricted driver’s license and is using the “your covered auto” outside the scope of the restriction unless the loss is a consequence of the theft of “your covered auto.” This exclusion does not apply to “your covered auto” while being operated by “you” or any “insured driver.”

Because Carson’s driver’s license was suspended the insurance company could legally deny the claim for liability and damage to Stephanie’s vehicle.

Please note that not every insurance policy has this restriction.  You should read your individual policy before turning over the keys to anyone who wants to borrow one of your vehicles!

Car Insurance Lafayette Louisiana – Better Options Are One Call or Click Away!

As the above fictitious story illustrates car insurance is far more complicated than the price we pay and it’s important to work with an agency that offers a coverage checklist to help you learn if you have coverage gaps in your insurance protection.

Call Jeff Davis Insurance today at 337-824-4455 when you’re shopping for car or home insurance in Lafayette Louisiana or the surrounding areas.

For your convenience we offer an online rate quote system that will shop the market of top-rated insurance companies in Lafayette Louisiana. Click any of the links below for rate quotes:

Lafayette Louisiana Auto Insurance

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Automobile Insurance Lafayette Louisiana

Call Jeff Davis Insurance at 337-824-4455 when you are looking for better rates on home or auto insurance in Lafayette Louisiana and the surrounding areas!

As a leading independent insurance agency in Lafayette Louisiana we can help you find great options on home, condo, mobile home, renters, business insurance, life insurance, and car insurance in Lafayette Louisiana!

Online rate quotes are also available 24 hours per day when you click on Lafayette Louisiana Auto Insurance.

How to Avoid Claim Denials by Lafayette Louisiana Insurance Companies!

In a previous article we discussed how Stephen Tyler, a friend of Fred Johnson, wrecked Fred’s truck making a delivery to a customer.  Stephens’s vehicle had broken down a few days before and Fred, being a Good Samaritan, allowed Stephen to borrow his truck.

Unfortunately no good deed is left unpunished. 

A claim is submitted to Fred’s insurance company and about 5 days later the company denies his claim.

Shortly after his claim denial, Fred receives a bill from the other insurance company wanting Fred to pay for an accident he did not cause!

Why Did Fred’s Insurance Company Deny His Claim?

Fred’s car insurance policy does allow something called permissive use.  In other words if you lend your vehicle to someone not listed on your insurance policy, they should (in theory) be covered by your insurance policy if they have an accident.

However when you allow another person to operate one of your cover vehicles, that permission does not supersede any other restrictions or exclusions on the personal auto policy.

Stephen was involved in an accident while delivering a pizza in Fred’s truck!

Pizza delivery unfortunately is excluded on Fred’s policy and for this reason the claim was denied!

Note How the Pizza Delivery Exclusion Is Listed in Fred’s Policy:

Bodily injury or property damage arising out of the ownership, maintenance, or use of any vehicle or trailer while being used to carry persons or property for compensation or a fee, including, but not limited to, pickup or delivery of magazines, newspapers, food, or any other products. This exclusion does not apply to shared-expense car pools;

So in this instance Stephen used Fred’s truck in a way that was prohibited by his insurance company and they rightly denied the claim!

The story went from bad to worse for Fred because Stephen did not have insurance at the time of the accident.   Even if Stephen had insurance, his company may also have had a prohibition against pizza delivery.

Before Allowing Someone to Borrow Your Vehicle Ask the Following Questions:

  • What will they use your vehicle for?
  • Do I want to be responsible for their actions?

It would probably be an excellent idea to find out why they want to borrow your vehicle in the first place.  If the person borrowing your vehicle uses it in a way your insurance company prohibits, and they cause an accident, you might be on the receiving end of a claim denial!

So before turning over your car keys to another person you have every right to ask them what they will be using the vehicle for, and you should ask unless of course you don’t mind being responsible for the actions of others!

In our next article we will discuss why it’s important to make sure the individual borrowing your vehicle has a valid license!

Automobile Insurance in Lafayette Louisiana – More Complicated Than the Price We Pay!

Insurance is complicated and that is why thousands of policyholders choose Jeff Davis Insurance to care for their insurance needs.

We offer a coverage checklist to help you discover gaps in your insurance protection.

A coverage gap might end up costing you thousands or even tens of thousands out of pocket!

Call today when you need home or automobile insurance in Lafayette Louisiana or the surrounding areas.

We can be reached directly at 337-824-4455 or use our convenient online rate quote system when you click:

  • Auto Insurance Lafayette Louisiana
  • Home Insurance Lafayette La
  • Renters Insurance Lafayette La
  • Condo Insurance Lafayette La