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.
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: