Auto Coverage

Automobile Liability coverage is provided to compensate another party when the operator of the insured vehicle causes an accident resulting in injury or property damage. 

Comprehensive Coverage

Comprehensive covers damages to the insured vehicle from incidents other than collision, such as fire, theft, vandalism and explosion. The insured is subject to a $500 deductible per loss.

Collision Coverage

This coverage pays for damages to the insured vehicle due to collision with another vehicle or object. The insured is subject to a $500 deductible per loss. Repairs and/or settlements are made on an Actual Cash Value basis. 

Collision and Comprehensive coverages are optional. Rental Reimbursement and Full Glass Coverage is not available to any vehicle that is not insured for Comprehensive or Collision coverage.

Rental Reimbursement

Rental Reimbursement pays for the cost of renting an automobile in the event the insured vehicle is undrivable as a result of a Comprehensive or Collision loss at a rate of $30 per day for a maximum of thirty (30) days. Rental Reimbursement is not available for any vehicle that is not insured for Comprehensive or Collision coverage.

Full Glass Coverage

Full Glass Coverage is applicable only to vehicles insured for Comprehensive. There is no deductible and, at present, the only authorized vendor is Safelite. Please contact the Parish Service Corporation for more information.

Towing and Labor

Towing and Labor is available with a limit of $50 per disablement. Towing and Labor is not available to any vehicle not insured for Comprehensive.

If you have an automobile loss and are in need of repairs, please go to our Auto Repairs tab for more information.

Exclusions

  • Mobile telephones, CB's, portable radios and other such equipment are not covered
  • Personal property is not covered
  • The option to purchase increased Uninsured/Underinsured Motorists Limits is not avaialbe under our Fleet Commercial Automobile Policy

Policy Territory: The United States of America, its territories and possessions, Puerto Rico and Canada