• Automobile Insurance Rayne Louisiana

    Automobile Insurance Rayne Louisiana – Same Day Coverage! 

    Automobile Insurance Rayne LouisianaIf you are searching for Homeowners or Automobile Insurance in Rayne Louisiana or the nearby areas you have found the right company! 

    The Hearod-Lyons Insurance Group is a leading independent agency offering highly competitive rates on personal and commercial insurance in Louisiana and we offer same-day coverage. 

    Call 337-514-2153 when you need great rates and better service right now! 

    If you find us after normal business hours or on the weekend use our online rate quote system that is available 24 hours per day seven days per week by clicking any of the links below: 

    Automobile Insurance Rayne Louisiana – Exclusions Can Lead To Claim Denials! 

    All Louisiana Insurance Policies contain something known as exclusions of coverage.  

    Exclusions are prohibited activities the insurance company simply will not cover. 

    In a previous article we considered how Reggie was injured after falling out of the back of a truck as he was being driven home after a wild night of partying. 

    Reggie was thoroughly intoxicated and accidentally fell out of a truck owned by Randy and Steve Jackson.  

    The Jackson brothers started a rideshare company specializing in picking up intoxicated patrons and taking them home for a fee. 

    Reggie was injured and racked up about $10,000 in medical bills. 

    A claim was submitted through the Jackson brothers’ car insurance company which was promptly denied. 

    This is why the claim was denied according to the Jacksons’ insurance company: 

    ExclusionsWe do not provide liability coverage for any insured for that insured’s liability arising out of the ownership or operation of a vehicle while it is being used to carry persons or property for compensation or a fee. 

    This exclusion is very clear. The insurance company does not have the legal obligation or duty to pay Reggie’s claim for the injury he sustained while riding in the back of Randy’s pickup truck because he paid a fee or a fare for the Jackson brothers to take him home.

    If Reggie had a personal automobile insurance policy with uninsured motorist coverage, Reggie’s policy may have paid the hospital bill. 

    Unfortunately in this instance Reggie did not have a car insurance policy in force so he is now facing a $10,000 out-of-pocket expense because of falling out of Randy’s pickup truck. 

    Reggie is furious after he gets a notice from the hospital that if he doesn’t pay the bill they are going to take him to collections. Reggie has a 780 FICO score and doesn’t want his credit score to take a hit so he keeps on calling the Jackson brothers to get them to pay the bill. 

    Despite the fact the Jacksons’ insurance company denied Reggie’s claim, are the brothers in any way liable for the $10,000 hospital bill? 

    We will consider this question in our final article focusing on the misadventures of Randy and Steve Jackson. 

    Rayne Louisiana Automobile Insurance Is More Complicated Than You Think! 

    As our claim scenario clearly shows there are some types of activities that are simply excluded by insurance. Offering rideshare services for a fee is one such activity that would be excluded. 

    It’s important to get to know your insurance coverage so you can avoid receiving a claim denial. 

    We at the Hearod-Lyons Insurance Group not only offer great rates and service but important advice that can help you avoid situations like this. 

    Why not call us today when you need any type of insurance in Rayne Louisiana? 

    Call 337-514-2153 to speak with one of our licensed agents right now! 

    If you find us after 5 PM or on the weekend but you would like us to shop the market use our online rate quote system that is available around the clock seven days per week by clicking any of the links below:

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    Landlord Insurance Rayne

    Posted on December 6, 2016 by WIN Admin

    Landlord Insurance Rayne – Great Rates Can Be Found Here! If you own any type of investment properties in Louisiana including single-family residential units or apartment buildings and you’re looking for superior rates and coverage on Landlord Insurance in Rayne Louisiana or the surrounding areas make sure to reach out to the Landlord Specialist at […]

    Landlord Insurance Kaplan Louisiana

    Posted on November 28, 2016 by WIN Admin

    Landlord Insurance Kaplan Louisiana – Great Coverage is Available! Do you own single-family homes or apartment buildings for rent in Kaplan Louisiana or the surrounding areas? Are you looking for Landlord Insurance in Kaplan Louisiana? Call Hearod-Lyons Insurance Group at 800-228-8291 for the top rates, friendly service, and sound advice. Whether you rent out apartment complexes […]

    Automobile Insurance Rayne Louisiana

    Posted on November 22, 2016 by WIN Admin

    Automobile Insurance Rayne Louisiana – Same Day Coverage!  If you are searching for Homeowners or Automobile Insurance in Rayne Louisiana or the nearby areas you have found the right company!  The Hearod-Lyons Insurance Group is a leading independent agency offering highly competitive rates on personal and commercial insurance in Louisiana and we offer same-day coverage.  […]

    Automobile Insurance Kaplan Louisiana

    Posted on November 16, 2016 by WIN Admin

    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 […]

    The Hearod-Lyons Coverage Checklist

    Posted on November 11, 2016 by WIN Admin

    What Is the Hearod-Lyons Coverage Checklist and How Can It Help You to Find Hidden Gaps in Your Insurance Protection? I would like to share with you an important service we offer to our policyholders that can help you discover the hidden gaps in your insurance protection.  The first step necessary to discover potential gaps in […]