The Brignac Group is a full-service, independent Baton Rouge insurance agency.
Auto insurance with The Brignac Group has never been easier. We understand there’s nothing more personal than auto insurance and we are positioned to provide the most competitive auto insurance policies in the marketplace.
... it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Louisiana include:
Accidents, traffic violations, credit score, the age of drivers, the distance being driven to work, what type of car you own, the number of cars are on the policy and many more factors determine the price of your policy.
In Louisiana, you must carry liability limits of:
$15,000 for the injury or death of one person
$30,000 for the injury or death of more than one person
$25,000 for property damage
If you have an outstanding loan on your vehicle, the lender will require you to maintain:
Comprehensive and Collision Coverage (see note below)
Covers injury that you may cause to others.
Covers damage that you may cause to another person’s property.
Covers damage when your vehicle runs into another object, such as other vehicles, trees, light poles, etc. (See NOTE below)
Typically pays for injury you suffer from an accident caused by an uninsured driver. “Uninsured” usually refers to a person who has no insurance or a person who can’t be located (“hit and run drivers”).
Pays for injuries caused by a driver who is inadequately insured.
Covers damage caused to your vehicle by an “act of other than collision," such as fire, theft, vandalism, or hail. (See NOTE below)
Could help pay for the car to be towed to a service station or for any repair that occurs at the location of the car’s breakdown.
Reimburses your expense of renting a car as a temporary replacement. The car being replaced must be an insured car that’s unavailable for use because of it being damaged, lost (stolen) or destroyed in a covered loss.
Both Collision and Comprehensive coverages are subject to deductibles (the amount of a claim that the policy owner must pay). The deductible chosen affects the overall premium.