How Does Car Insurance Work in Louisiana?
Any driver who owns and operates a vehicle must carry auto insurance on their vehicle before they can take it out on the road. Unfortunately, many drivers fail to adhere to this law, and when they are involved in a collision, the claims process can become much more complicated.
Below, we go into greater detail about what the minimum auto insurance requirements are in Louisiana, as well as other important details you need to know about how car insurance works.
Louisiana Car Insurance Requirements
The state minimum auto insurance coverage requirements are as follows:
- $15,000 per person in bodily injury liability coverage
- $30,000 per accident in bodily injury liability coverage
- $25,000 in property damage liability coverage
You can waive the state minimums of $15,000 per person, $30,000 per accident in uninsured motorist bodily injury liability coverage, and $1,000 in medical payments, though it is not recommended to do so. What’s more, these minimum requirements will often fail to fully cover the full impact of a collision, so it may be in your best interests to include higher premium limits.
Add-ons and Other Things to Know
In addition to having Louisiana state minimum auto insurance coverage and increasing the limits of your policy, it may be well-advised to add comprehensive, collision, rental car coverage, and gap insurance if you have financed your vehicle.
Louisiana is a fault state for auto insurance purposes, and if you are ever found to be at fault for causing an accident, you will want to be sure that your auto insurance policy is capable of covering any damages of the injured party.
Meet with a Louisiana Car Accident Lawyer
To learn more about how your auto insurance will be affected by your involvement in a collision, or if you’ve been injured and need legal help obtaining repayment of your losses, reach out to a highly trained Louisiana car accident lawyer at the Law Office of Braud & Gallagher.
We provide free consultations to injury victims across the state, and when you are ready to take advantage of this opportunity, you can do so by submitting the online contact form at the bottom of this page or giving our firm a call at 1-800-256-5674.