Insurance Rights in Louisiana

You need car insurance to legally operate your vehicle in the state of Louisiana.  While dealing with insurance companies can be a complex and complicated undertaking, understanding what your rights are as a policy owner is imperative.  Whether the accident was your fault or not, it’s important to know what you can and can’t do during the repair process.  Here is everything you need to know about your insurance rights.

What is an Insurance Policy?

An insurance policy is a legal contact between you, the vehicle owner, and the insurance company.  Just like with any contract, this policy guarantees you certain rights and responsibilities.

What is Your Insurance Company Obligated to do if You are in an Accident?

In the event you are in a car accident, your insurance company is obligated by law to restore your vehicle to the condition it was in prior to any sustained damage.  If it cannot be restored, you will be compensated financially for the actual cash-value of the vehicle.  It is your decision to have some, all, or none of the necessary repair work completed.

Do You Have the Right to Choose Where Your Vehicle is Repaired?

It is your right to choose where your vehicle will be repaired.  Your insurance may attempt to persuade or demand you take it to a certain facility.  This is a violation of R.S. 222. 

What is a Direct Repair Program or Preferred Shop?

A direct repair or preferred shop are repair facilities that have an arrangement with your insurance company.  It is in the insurance company’s best interest for you to have your vehicle repaired there.  An independent repair shop will have your best interest in mind, not the insurance company’s.  The goal of this shop is to maintain profitability for themselves and the insurance provider. 

Can an Insurance Company Authorize Repairs on Your Vehicle?

The vehicle owner is the only one authorized to direct a repair facility to begin repairs.  Insurance companies cannot legally make this decision for you. 

Can an Insurance Company Control Repair Prices?

Insurance companies have no control over repair prices.  An independent or dealership franchised repair facility is allowed to set its own prices and fees. 

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75% of accident vehicles are improperly repaired by collision centers.  Many repair facilities are guilty of using aftermarket parts to complete the repairs. If you've been in an accident and want to ensure the integrity of the car repair, schedule a post-accident repair appointment today. 

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