Automobile Insurance Kaplan Louisiana – Better Coverage Awaits!
Do you want better coverage, service, and pricing on Automobile Insurance in Kaplan Louisiana compared to what you have currently? If so then why not speak to the agents of Hearod-Lyons Insurance Group?
Call us right now at 337-514-2153 and one of our friendly agents will be happy to assist you with your Kaplan Louisiana Auto Insurance needs.
Click one of the links below to be taken to our online rate quote submission system. You can submit your information any time day or night!
Automobile Insurance Kaplan Louisiana – Exclusions Will Lead to Out-Of-Pocket Expenses!
In a previous claims scenario we considered two Brothers: Steve and Randy Jackson. They started a part-time ridesharing service focusing on the nightclub and bar scene. They would pick up passengers (who were intoxicated) for a very small fee and take them home.
Unfortunately one of their passengers, a man named Reggie, was injured after he fell out of Randy’s truck. Reggie incurred about $10,000 in medical bills. The Jackson brothers submitted a claim through their car insurance company but it was promptly denied, citing a business usage exclusion.
Randy and Steve don’t really care that the claim was denied because they don’t think it’s their fault Reggie fell out of the truck. After all he was really drunk. How could they be responsible for that?
Reggie on the other hand is hopping mad because he is now stuck with a $10,000 bill that he thinks is Randy’s fault. Randy was the one driving at the time when they hit the big pothole that caused Reggie to fall out of the truck and break his arm.
Reggie sees a TV commercial from an attorney advertising at 3 o’clock in the morning. He calls, makes an appointment the next day, and a $25,000 lawsuit is filed against Randy and Steve’s company for negligence.
Randy & Steve call their insurance company back. The company tells the brothers they are not responsible and they should hire a lawyer of their own ASAP.
Hesitant to spend any money at the moment, Randy & Steve instead decide to ignore the lawsuit and court summons and hope it all just goes away on its own.
Reggie eventually receives a default judgment of $25,000 against the brothers and gets a wage garnishment order. He takes it to the brothers’ employer at the factory where they work full time.
The brothers are quite shocked to see an automatic deduction from their paycheck as a result of the garnishment order.
They both go to the Human Resources department. HR advises Randy and Steve that there isn’t anything that can be done as it is a court order.
For the next three years $161 is deducted from each of their bi-weekly paychecks.
For the next 3 years $161 is deducted from each bi-weekly paycheck.
What lessons can be learned from this situation?
Don’t ignore the fine print of your insurance policy, and if you get sued hire an attorney!
Automobile Insurance Kaplan Louisiana – Don’t Make The Same Mistake Randy and Steve Made!
Had Randy and Steve had some sense of what was covered and not covered by their personal auto policy they probably would have avoided this whole mess.
At the Hearod-Lyons Insurance Group we strive to help our clients understand their coverage so that they don’t wind up in situations like these.
That’s why you should call Hearod-Lyons Insurance Group today if you need Kaplan Louisiana Auto Insurance.
You can reach us at 337-514-2153 before 5 PM during the week. On weekends or after hours you can always submit your information via our online rate quote system for a free quote on car or home insurance. To access it simply click one of the links below:Auto Insurance Kaplan Louisiana, Automobile Insurance in Kaplan Louisiana, Automobile Insurance Kaplan Louisiana, Car Insurance Kaplan Louisiana, Hearod-Lyons Insurance Group, Kaplan Louisiana Auto Insurance, Kaplan Louisiana Home Insurance
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