Understanding Health Insurance Coverage

Health coverage is necessary, but it can be complicated. Understanding your coverage is vital to ensure you get the proper healthcare. At Bright Auto Insurance, we offer health insurance coverage for New Orleans, LA residents. 

Co-Pays

Co-pays are the portion of the total cost that you have to pay out of pocket. This is often a percentage of the total cost of the medicine or procedure. Some policies may provide standardized co-pays for different services and medications. 

Annual Deductible

The annual deductible is the amount you have to pay before your insurance policy begins to pay. Co-pays differ between policies, often ranging from $1,000-$5,000. If you have a $1,000 deductible, for example, you will have to pay $1,000 out of pocket. Once this is reached, your insurance policy will provide the coverage listed in the policy. 

Preventative care is generally provided for free, even without meeting your deductible. This is because it’s cheaper in the long term for the insurance company to prevent health problems and is essential for your health.  

Premiums

Premiums are usually paid weekly or monthly. The cost remains the same throughout the term of the policy unless you make changes to your coverage. You will pay your premium regardless if you use your coverage or meet your deductible. If you add or remove a person from your policy, your premium will change. Adding or removing coverage will also change your premium. 

Provider Networks

Each health insurance provider has provider networks. These providers have an agreement with the insurance company. If you seek treatment out of the network, you may have a higher co-pay, or the treatment may not be covered. 

If you need health insurance coverage in New Orleans, LA, contact us at Bright Auto Insurance. Our insurance agents will help you select the right health insurance for your needs. 

Benefits of Buying Life Insurance in Louisiana

If you live in Louisiana, you know the value of home and flood insurance. But did you ever consider purchasing life insurance? It’s certainly true that having life insurance is beneficial during challenging times, but did you know that it can come in handy almost any time? Call or schedule an appointment with the team at Bright Auto Insurance in New Orleans, LA to get started! They’re eager to share their expertise with you to ensure you get the most out of a life insurance policy.

So, what are you waiting for? Call or stop by Bright Auto Insurance in New Orleans, LA today! In the meantime, here are some examples of ways you and your loved ones can benefit from a life insurance policy:

  • To take care of family members, including children and aging parents.
  • To receive income if you are unable to work due to illness, an accident, etc.
  • To pay off long-term debt, such as mortgages, student loans, and credit cards.
  • To save for retirement.

These are just a few of the many perks of a life insurance policy. The amount of coverage you’ll receive depends on the type of life insurance you purchase. For example, whole life insurance typically covers your entire life and pays a death benefit, while term life insurance only provides coverage for a set number of years. Some policies also offer additional benefits, such as the ability to accumulate cash value over the years.

The best way to ensure that you purchase a policy that meets your needs is to contact the team at Bright Auto Insurance in New Orleans, LA. With their guidance and expertise, you can rest assured you’ll get a life insurance policy that matches your lifestyle.

What Are the Benefits of Buying a DOT Approved Helmet?

No question wearing a helmet can save your life. You can find helmets in many different shapes, styles, and sizes. If you are ready to buy a new helmet, always look for the DOT sticker at the center/back. This simple sticker ensures that the helmet meets the strictest standards for safety. In New Orleans, LA, the agents at Bright Auto Insurance can give you pointers on what to look for in a good motorcycle helmet.

Meets State Requirements

DOT-approved helmets are designed to meet very strict safety standards. The Department of Transportation has set standards for both durability and strength to ensure that if an accident does occur, the helmet will be able to withstand the impact of hitting hard objects. There are also requirements placed on the type of clasps and straps that can be used to fasten the helmet. 

Built for Protection

The shell of the helmet must be made to withstand excessive amounts of pressure during impact. The inner cushion is designed to mold to the head of the rider for an added level of comfort and security. Clasps and straps are designed to create a secure connection that will hold the helmet in place if an accident occurs.

When purchasing a helmet, it is vital that you know what to look for. In addition to the DOT sticker, you also need a helmet that fits securely and does not shift while you are riding. Call the agents of Bright Auto Insurance today if you live in or near New Orleans, LA, and have questions. Each agent has the knowledge and experience to assist you in making the right decision.

Will Boat Insurance Cover Personal Property On Board?

Boat insurance is not legally mandated in New Orleans, LA, but it’s unwise to go without it. In a city like New Orleans, a lot of us make a living on our boats or otherwise spend so much time on the water that it would be downright foolish not to buy insurance for one of our most treasured possessions.

A question to consider: Does your boat insurance policy actually cover everything on your boat, or just the boat itself?

The answer: It varies from provider to provider and policy to policy, but you can typically buy protection to ensure that everything on your boat is safe.

  • By default, you can generally expect that anything used to operate your boat, ropes, tools, etc. will be covered by your policy. But, you should read your policy thoroughly to make sure.
  • Anything you bring from home is probably going to be covered by your home insurance policy. This is the same for boat insurance as it is for auto insurance: Your home policy covers your possessions even when they’re not inside your home.
  • If you have possessions that you keep on your boat, clothing, cooking supplies, and so on, you can get these covered by most insurers, but you’ll need to take inventory the same as you would with your home insurance policy.

If you’re shopping around for boat insurance in New Orleans, LA, get in touch with Bright Auto Insurance and see what they can do for you. Boating is the lifeblood of New Orleans, and you don’t want to go without coverage, so call Bright Auto Insurance or get in touch through their website and get covered.

Is Umbrella Insurance Right For You?

In today’s society, there are a variety of ways that individuals decide to live and earn a living wage. There are also a variety of activities to participate in during your free time (i.e., volunteer for non-profit organizations, and coaching kids sports) where the craziest problems can occur. We currently live in a litigious society, and it is vital to protect yourself at all times.

We are Bright Auto Insurance based in New Orleans, LA, and our mission is to make sure that our clients are protected with great insurance options. Sometimes individuals just don’t want to see others progress and be better than them in life. While we live in a society where individuals have freedom of speech, there are some situations where speaking with the intention of harming someone’s reputation is not wise. 

With umbrella insurance, individuals can be protected under a variety of situations that some of their current insurance policies do not cover. For example, civil lawsuits revolving around the invasion of privacy, slander, and libel have become daily reasons for lawsuits. Whether it is being done out of spite, or because an individual is trying to make their business look better than their competition, it happens. Is it fair to the individual who is the defendant and has done no wrong? No, it is not. This is why umbrella insurance is so important to have as a protection to one’s personal reputation or business. 

Would you like to set up a consultation meeting with one of our agents to discuss beneficial umbrella insurance policies for you? We are here to make sure that you are covered with the proper insurance. Feel free to contact our office in New Orleans, LA to speak with a member of our team. We can help answer your questions and get you started with an auto insurance policy.

How Can Uninsured/Underinsured Motorist Coverage Protect You?

What would you do if a driver with insufficient liability coverage hit your vehicle in New Orleans, LA, or left the scene of the accident? Uninsured and underinsured motorist coverage is designed to protect you against such irresponsible drivers. The agents at Bright Auto Insurance can help you learn more about obtaining this coverage. Keep reading to learn how uninsured and underinsured coverage can protect you.

Quick Facts about UI/UI Coverage

  • Kicks in when the at-fault driver doesn’t have any liability coverage
  • Prevents you from bearing the financial burden of an accident that wasn’t your fault
  • Provides additional coverage if an underinsured driver hits your vehicle

How Does Uninsured/Underinsured Coverage Work?

Let’s say someone hits your car. You file a claim with the at-fault driver’s insurance, get your car fixed, and receive reimbursement for the damages plus any medical expenses incurred. 

What if the driver who hit you doesn’t have insurance or doesn’t have enough coverage to pay your expenses? If this happens to you, your UI/UI motorist coverage kicks in. Without this coverage, you could have out-of-pocket expenses for whatever the other’s driver’s insurance won’t cover.

Uninsured Versus Underinsured Coverage

Uninsured motorist coverage pays for expenses when a driver with no auto insurance hits you. If the driver who hits you has low liability limits, they might not cover the cost to repair or replace your car as well as any related medical expenses. Typically, the at-fault driver’s insurance handles these expenses up to the policy limits. Your underinsured coverage pays for the excess amount up to your coverage limit.

Get Underinsured/Uninsured Motorist Coverage in New Orleans, LA

Contact a representative at Bright Auto Insurance today. We’ll be happy to set up an appointment to give you a free quote. Let us help you review your auto insurance coverage to ensure it meets your needs.

 

 

Commercial Insurance Options for Small Businesses

Your small business has many options for commercial insurance coverage. At Bright Auto Insurance in New Orleans, LA, we can help you select a commercial policy catered to your business needs. Personalizing your commercial coverage ensures you have adequate protection without wasting money on “fluff.” Here are some commercial coverage options your small business can benefit from.

Property Insurance

Every small business should have property coverage as it protects your place of business, business equipment, and inventory against theft or loss. If a severe rainstorm damages the roof of your building, property coverage helps cover repair costs. If the same storm ruins your inventory, property insurance compensates you for your loss. With property coverage, your business has the financial means to recover from a disaster, big or small.

Liability Insurance

If your small business receives customers, you can benefit from liability insurance. Liability insurance protects your business against accidental injuries that may occur when a customer visits your shop, office, or warehouse. If someone has an accident that requires a trip to the doctor, liability covers medical costs. Liability insurance will also protect you against lawsuits if you’re sued for damages.

Business Interruption

Business interruption coverage helps compensate your small business for lost income if it has to close down temporarily due to a natural disaster. This coverage also helps cover employee wages, rent payments, loan payments, and relocation costs to help you get back on your feet after a catastrophe.

Worker’s Comp

All Louisiana businesses with one or more employees (full or part-time) are required to have worker’s comp insurance. Worker’s comp protects your business assets by covering an employee’s medical costs and lost wages if he’s injured on the job.

To learn more about commercial coverage for your small business, call or visit Bright Auto Insurance in New Orleans, LA today.   

Know how the claim process works if your home is damaged

The purpose of homeowners’ insurance is to provide financial assistance if you experience an accident or emergency. However, if you have never had to submit a claim for damage to your home before, this process may be unfamiliar and confusing. A basic outline of the claims process can provide some much-needed assistance. There are also agents available from Bright Auto Insurance in New Orleans, LA, and provide support to customers.  

Make sure the type of damage or loss is covered

After an incident, it is vital to review your policy to make sure the loss is covered. Most policies have broad coverage that protects against severe weather, theft, fire, liability from lawsuits, and many other common problems. However, the insurance provider will only pay out if the type of damage is included under your policy

Document the losses

Taking pictures and making a list with corresponding values of damaged items or property repair costs can help prove the damage and claim amount to the insurance company.

Speak with an adjuster

In most situations, the insurance company will send an adjuster to view the damage and come up with a value for the losses based on what they see. In some cases where there are disputes, a second opinion can be obtained. 

Know your deductible

You will have to pay a certain amount out upfront before the insurance provider covers your losses under most policies.

Get help from an agent now

For additional information about submitting claims in New Orleans, LA, you can speak with an agent from Bright Auto Insurance to set up a new policy and learn more about getting paid for losses.