# L.A. Insurance > Official L.A. Insurance business agent. L.A. Insurance is an independent insurance agency franchise that provides affordable auto, motorcycle, RV, renters… ## Ask it a question L.A. Insurance answers for itself at https://api.hailera.com/mcp/lainsurance. A client that speaks MCP can connect to that address; the tool is ask_lainsurance and the protocol is 2026-07-28. Where this file and the agent disagree, the agent is current. ## About L.A. Insurance About L.A. Insurance L.A. Insurance is an affordable, independent insurance agency franchise that has been serving customers since 1992. - Founded in Detroit, Michigan. - More than 200 locations across Arizona, Colorado, Florida, Georgia, Michigan, Nevada and Texas. - One of North America's largest independent insurance agency franchises. - Focus on low down payments, low monthly installments and flexible payment plans. - Works with multiple insurance providers to help customers compare coverage options and rates. - Welcomes high-risk drivers who may have trouble finding coverage elsewhere. Who L.A. Insurance serves - Drivers with clean or challenging driving histories. - Individuals and families looking to insure vehicles, rental homes, or boats. - Business owners who need commercial auto coverage. - Customers who prefer in-person help from local agents or self-service online quotes. Ways to work with L.A. Insurance - Purchase online: Compare quotes, choose a policy, and get insured online in a few steps. - Find an agent: Visit a local L.A. Insurance office for in-person assistance. - Talk to an agent by phone: Licensed agents help identify coverage options and quotes. Contact details - Corporate headquarters: 400 Hamilton Row, Suite 200, Birmingham, MI 48009, USA - General inquiries phone: (800) 893-9393 - Sales phone: (888) 500-6065 - Support phone (site header): (800) 893-9393 - General email: info@lainsurance.com For location-specific contact details or hours, customers should use the "Find an Agent" option on the website to locate their nearest office. Careers L.A. Insurance offers career opportunities for licensed agents and support staff. - Provides a positive, supportive work environment with opportunities for growth. - Offers professional development, full benefits and competitive pay at many locations. - Interested candidates can apply through the careers section of the website or by using the email addresses listed there for specific states. Source: https://www.lainsurance.com ## Where L.A. Insurance works Lists Birmingham, Hamilton, and Detroit as a location. Names North, Arizona, Colorado, Florida, Michigan, Nevada, Georgia, and United States as a service area. Areas beyond these are not published. ## Prices L.A. Insurance provides cheap, full-coverage auto insurance options for drivers in Michigan and across multiple U.S. states. Types of auto coverage available L.A. Insurance helps drivers compare and purchase a range of auto coverages, including: - Liability auto insurance – Bodily injury and property damage liability coverage required by law in most states. - Personal Injury Protection (PIP) – Where required (such as Michigan and other no-fault states), helps pay for medical treatment, rehabilitation and lost wages for you and your passengers after an accident, regardless of fault. - Property Protection Insurance (PPI) – In Michigan, covers damage your vehicle causes to another person's property within the state, up to the limits described in the policy. - Uninsured and underinsured motorist coverage – Helps pay for medical expenses, lost income and vehicle repairs if you are hit by a driver who has little or no insurance, where available. - Collision coverage – Helps pay to repair or replace your vehicle if it is damaged in a collision, regardless of who is at fault. - Comprehensive coverage – Helps protect against non-collision losses such as theft, fire, vandalism, certain weather events, falling objects or animal collisions, as described in the policy. - High-risk driver coverage – Options for drivers who have traffic violations, accidents or other challenges on their record. Coverage type, limits and availability vary by state and insurer. Exact requirements and options should be confirmed with an L.A. Insurance agent or in the policy documents. Who auto insurance is for Auto insurance from L.A. Insurance is intended for: - Drivers who need state-minimum liability coverage. - Drivers looking for full-coverage options (liability, comprehensive and collision). - High-risk drivers who may have difficulty securing coverage elsewhere. - Customers who want to compare multiple insurance company quotes through one local agency. How to get an auto insurance quote Customers can request an auto insurance quote in several ways: - Online quote form: Start on the auto insurance page or the main site and submit a quote request form. - Purchase online: Use the "Purchase Online" option on the website to compare and select a policy. - Find an agent: Locate a nearby office using the "Find an Agent" feature and request a quote in person. - Talk to an agent: Call an agent directly using the phone numbers listed on the website. To start a quote, customers are typically asked for: - A valid driver's license. - Vehicle Identification Number (VIN). - The physical address where the vehicle is stored. - Basic personal and driving information requested on the quote form. Pricing and payments The website describes L.A. Insurance as focusing on: - Low down payments on many policies. - Low monthly installments and flexible payment plans. - Competitive rates compared to many larger insurers. Actual premiums, fees, discounts and eligibility depend on the insurer, state regulations, driving history and other factors. Exact prices and payment amounts are not listed on the site and must be confirmed directly with L.A. Insurance or the issuing insurer. Reasons customers choose L.A. Insurance for auto coverage - Ability to compare quotes from multiple insurance providers. - Options for full coverage at competitive prices, where available. - Local agents who understand community needs. - Support for high-risk drivers. - Simple quote and purchase process online, by phone or in person. Claims The site notes that: - Claims are started by contacting your broker or visiting the website. - Customers provide details and supporting documentation (such as photos, videos or police reports) related to the incident. - The insurer or adjuster reviews and evaluates the claim to determine covered losses. Claims handling, timelines and outcomes are determined by the insurer and policy terms, not by this agent. L.A. Insurance offers commercial auto insurance options for business vehicles through its network of insurers. Who commercial auto coverage is for - Business owners who use vehicles for work, such as taxis, delivery vans or trucks. - Companies that need to insure cars, vans, trucks or other vehicles used for business purposes. Types of coverage mentioned Commercial auto policies through L.A. Insurance may include, as described on the website: - Liability coverage – Bodily injury and property damage liability when a covered business vehicle causes an accident, up to the limits shown in the policy. - Collision coverage – Helps pay to repair or replace a covered vehicle after a collision, regardless of who is at fault, subject to deductibles and limits. - Comprehensive coverage – Helps protect against certain non-collision losses such as theft, fire or vandalism, where included in the policy. - Other coverages – Additional options may be available depending on the insurer and state. Exact coverage options, limits and availability vary by state, insurer and business type. Policy details must be confirmed with an L.A. Insurance agent and in the policy documents. How to get a commercial auto quote Business owners can: - Request a quote online from the main website. - Call the sales or general inquiries phone numbers listed on the site. - Use the "Find an Agent" tool to locate a local office for in-person assistance. The site emphasizes competitive pricing and flexible payment options, but it does not publish specific premium amounts. Final rates depend on factors such as vehicle type, use, driving records, location and the insurer's underwriting rules. How to get an insurance quote Customers can start quotes for auto, motorcycle, RV and motorhome, renters, boat and watercraft, commercial auto and life insurance in several ways: - Online: Use the quote or "Purchase Online" options on the website to start a quote and compare coverage options. - Find an agent: Use the "Find an Agent" tool on the website to locate a nearby L.A. Insurance office for in-person assistance. - Call an agent: Use the phone numbers listed on the site to speak with a licensed agent. Information commonly requested for quotes includes (as applicable): - Driver's license information. - Vehicle Identification Number (VIN) and basic vehicle details. - The address where the vehicle is garaged or where the insured property is located. - Basic personal and contact information. Buying a policy Once a customer selects a policy: - Policies can often be purchased online, by phone or in person with a local agent, depending on the product and insurer. - L.A. Insurance emphasizes low down payments, low monthly installments and flexible payment plans for many policies. Exact purchase steps, documents required and payment options depend on the insurer, product and state. These details should be confirmed directly with an L.A. Insurance agent or the issuing company. Filing a claim The website describes a general claims process: - Report the incident – Contact your agent or follow the instructions on the website to begin a claim. - Provide details and documentation – Share information about what happened and submit any requested items, such as photos, videos or police reports. - Adjuster review – An adjuster or the insurer reviews the claim, investigates as needed and determines the covered losses. - Payment arrangements – Approved claims are settled according to the policy terms and limits. Claims procedures, timelines and outcomes are determined by the insurer and the specific policy, not by this agent. For urgent or detailed claims questions, customers should contact their agent or insurer directly using the contact information on their policy documents. Source: https://www.lainsurance.com ## Other Personal Insurance Products at L.A. Insurance In addition to auto insurance, L.A. Insurance offers several other personal insurance products through its network of insurers. Motorcycle insurance - Coverage options for off-road bikes, sport bikes, scooters and touring bikes. - Designed to help protect against theft, vandalism, accidental damage and certain natural disasters, as described in the policy. - Quotes available online or through local agents. RV and motorhome insurance - Coverage for motorhomes and recreational vehicles used for vacations or full-time living. - Intended to help protect against theft, accidents, vandalism and many unforeseen events, as outlined in the policy. - Quotes can be requested online or through an agent. Renters insurance - Renters (tenant) insurance for people renting a house or apartment. - Coverage options may include personal property, personal liability, certain types of water damage, specified severe weather events and Additional Living Expenses (ALE), according to the policy terms. - Designed to protect belongings against covered events such as theft, fire and other listed perils. Boat and watercraft insurance - Coverage for a range of boats and personal watercraft (PWC), such as fishing boats, yachts, sailboats and houseboats. - Intended to help protect vessels against covered risks on lakes and rivers in the United States. - Quotes available online or by speaking with an L.A. Insurance agent. Life insurance - Life insurance options such as term life, whole life and universal life coverage. - Intended to help families cover expenses like mortgages, everyday bills and other financial needs after a covered loss, according to the policy. - Quotes available online through the "Purchase Online" or quote request options, or through local agents. How to get quotes for these products For any of these products, customers can: - Start an online quote from the main website. - Use the "Find an Agent" tool to locate a nearby L.A. Insurance office. - Call the phone numbers listed on the site to speak with an agent. Coverage availability, eligibility, limits and exclusions vary by state, insurer and policy. Exact terms, prices and discounts are not listed on the site and must be confirmed directly with L.A. Insurance or the issuing insurer. Source: https://www.lainsurance.com ## What L.A. Insurance has not published yet These are things people ask L.A. Insurance that its published information does not yet cover. - prices - current discounts or promotions - real-time policy or appointment availability - guaranteed coverage approval or specific outcomes - exact coverage limits, legal requirements, or compliance adv - claim outcomes, settlement amounts, or timelines - exact processing, delivery, or response times - employment offers, salaries, or benefits Ask anyway — the agent will say plainly that it is not published rather than guess. ## Where this comes from https://www.lainsurance.com