Louisiana Auto Policy 9818A: Key Endorsements, Definitions, and Exclusions

Policy 9818A outlines specific rules for vehicle replacement (30-day mirror coverage), Uninsured Motor Vehicle coverage regarding government entities, and redefined terminology for spouses and resident relatives. It also details the 5-day and 14-day rules for Garage/Dealer (G/D) coverage.

The policy provides coverage for pets injured in accidents. For injuries, owners can claim up to $1,000 per animal ($2,000 per loss) with vet bills within one year. For pet fatalities, reimbursement is based on the cost of a similar breed, verified through shelter or breeder information.

Liability limits for loss of wages have increased to $250. Exclusions have been updated to include car-sharing programs and specific 'Care, Custody, and Control' provisions. The policy also clarifies exceptions for non-owned vehicles and household employees.

The policy allows for the total or partial exclusion of specific drivers via designated endorsements. Business-related exclusions exist but contain specific exceptions for the named insured and their relatives. Damage involving two household vehicles is handled under the respective property damage coverages subject to deductibles.