Car Insurance Lafayette Louisiana

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:

Home Insurance Lafayette Louisiana

Call Jeff Davis Insurance When You are Looking for Car or Homeowners Insurance in Lafayette Louisiana

Home Insurance Lafayette Louisiana When you are looking for car or home insurance in Lafayette Louisiana or the surrounding areas, call Jeff Davis Insurance at 337-824-4455.

We can help you find the coverage you need for a price typically lower than our competitors!

If it is more convenient please, use our online rate quote system for car or home quotes by clicking Insurance Lafayette Louisiana. In 5 minutes or less, you will have rates from top companies competing for your business!

In a previous article we discussed the following topic:

Child Care Insurance Louisiana – Is this Covered by my Home Insurance Policy?

In our previous article Ron and Tammy Bierson began to offer child care in their home and unfortunately one of the children being cared for was injured and the parents of the injured child filed a $500,000 lawsuit against the Bierson’s.

The Bierson’s file a claim with their home insurance company.  Will they pay for this potential $500,000 claim? Unfortunately, the answer is likely no for the Bierson’s. This is why:

A homeowner’s insurance policy is not designed to cover the business pursuits of policyholders. 

Please note how this is explained in one Lafayette Louisiana home insurance policy:


  1. Coverage E — Personal Liability and Coverage F — Medical Payments to Others do not apply to bodily injury or property damage: 

Arising out of business pursuits of any insured. This exclusion does not apply to:

(1) Activities which are ordinarily incident to non-business pursuits;

(2) The occasional or part-time business pursuits of any insured who is under 23 years of age.

Some stay-at-home mothers want to make extra money by offering childcare or babysitting services for a fee.

This activity is prohibited by insurance companies for the very reason as outlined in this claim scenario.

Please note that in some instances childcare could be covered if one of the insureds is under a certain age, and this age can vary from company to company. (Don’t assume it is 23 years of age with every company)

The particular company cited above bases their age at 23.  Why is the age of importance?  This is designed for younger individuals such as teenagers offering childcare in their parents’ home.

It’s not intended for a commercial enterprise which was clearly the case for the Bierson’s and so likely a claim would be denied in this situation.

If you offer childcare in your home it’s best to consider purchasing the appropriate commercial general liability insurance, otherwise you may find yourself on the losing end of a lawsuit without any protection from your insurance company!

Choose Jeff Davis Insurance When You Need Home Insurance in Lafayette Louisiana!

We offer a homeowners coverage checklist that helps to identify gaps in insurance protection that could leave you in a very vulnerable position financially.

Call us today at 337-824-4455 or use our convenient online rate quote system in the links you see below:

We look forward to assisting you with your insurance needs!