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What Does My Auto Insurance Policy Cover?


A car insurance policy is made up of many different components that offer various types of protection in the event of an auto accident. Understanding your specific policy is crucial to deciding whether you have sufficient coverage and knowing how to get compensated for property damage, medical expenses, and more.

Below, we discuss some of the main types of car insurance coverage that are available to drivers in Louisiana and what each can be used for.

Bodily Injury Liability

This covers expenses related to injury or death to other people, such as other drivers or pedestrians, injured in a car accident caused by you, your family members, or those driving your vehicle with permission.

It’s important to note that, in Louisiana, this coverage is required in the amounts of $15,000 for bodily injury to one person and $30,000 to bodily injury for more than one person in a single accident.

Property Damage Liability

This covers expenses related to the property damage of those who were involved in an accident caused by you, your family members, or those driving your vehicle with permission. As with bodily injury liability, Louisiana drivers are required to have property damage liability in the amount of $25,000.

Uninsured/Underinsured Motorist

This helps cover your injury or property damage expenses if you are hit by a driver without insurance or a driver whose insurance is not sufficient to cover the extent of your total damages.

Medical Payments

If you, your family members, or your passengers are hurt in an accident, this coverage may be used to pay for medical expenses. It can be utilized regardless of who was at fault for the accident.


This helps cover the cost of your vehicle damage if you are ever involved in an accident, whether or not you are at fault.


This pays for property damage caused by specific events, such as fires, vandalism, falling objects, floods, or explosions. Keep in mind that exclusions may apply, so you should always double-check your insurance policy’s comprehensive coverage.

Towing and Labor

This pays for the towing and labor costs associated with having your vehicle towed.

If you’ve been involved in a car accident in New Orleans and are unsure how to get compensated for your damages, The Chopin Law Firm is standing by, ready to help. Our legal team will review your case and specific policy free of charge to determine your options and guide you through the claims process from start to finish.

Contact our New Orleans car accident attorneys at (504) 475-2429 to

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  today! We answer phones 24/7 and all clients speak directly with an attorney at our firm.