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Does My Insurance Coverage Fit my Needs?

• Don't hesitate to ask questions about what your policy covers. Start by asking your insurance agent what "full coverage" means, and take it from there.
• If your car is older and paid for, you may decide not to carry collision and maybe even comprehensive coverage. Look at the cost of your annual premium compared to your car's "Blue Book" value, minus your deductible.
• If you belong to an automobile club, you may already have towing and labor coverage. Check to be sure.
• You may not need medical payments coverage for yourself if you have health insurance. However, medical coverage will also pay for injuries to your passengers.

All information courtesy of: Louisiana Department of Insurance's Publication - Consumer's Guide to Auto Insurance