Understanding Louisiana Auto Insurance Requirements

  • Making sure that your vehicle is protected by a robust auto insurance policy is not only in your best interest in the event of an auto wreck, but it is also required by law that you carry a minimum amount of coverage. Louisiana is a fault state, so injury victims will file a claim with the liable party’s insurance company after a collision. 

    Dealing with an insurance company that isn’t your own isn’t ideal, especially because the insurance company will do everything possible to minimize your settlement. However, if you have the appropriate amount of insurance in place, you can protect yourself after a collision. Read on to learn more about Louisiana’s auto insurance requirements and what they actually cover.

    Bodily Injury Liability Coverage

    Bodily injury liability coverage is designed to cover physical injuries caused by a collision. The minimum amount of coverage that you will need to carry in bodily injury liability is $15,000 per person and $30,000 per accident. 

    Property Damage Liability Coverage

    Louisiana requires drivers to carry a minimum of $25,000 in property damage liability coverage. This should cover the costs of property damage caused by you if you are found to be at fault for the cause of the accident, and will provide protection up to the limits of your policy.

    Medical Payments

    Medical payment coverage of at least $1,000 is legally required, but can be rejected through your insurance company. If you are involved in a collision, it is quite possible that your medical expenses, and that of anyone else who might have been injured, will far exceed this $1,000 threshold. 

    Rather than reject the coverage, it may be in your best interests to increase the amount of medical payment coverage on your policy so you are financially protected in the event of an accident. 

    Under and Uninsured Motorist Bodily Injury Liability Coverage

    Uninsured and underinsured motorist bodily injury coverage is designed to protect you in the event that you are responsible for causing an accident with an under or uninsured driver. 

    Bodily injury liability coverage covers physical injuries to the injured individual, and the state of Louisiana requires $15,000 per person; $30,000 per accident in said coverage. However, this coverage can be rejected through your insurance company, though it is not recommended.

    Get in Touch with a Louisiana Car Accident Lawyer

    Before you take your vehicle out on the roads, you need to make sure that it has enough auto insurance to cover you in the event of a serious accident. 

    If you have questions about these auto insurance requirements, or if you have been injured in an accident and are wondering how your claim will be impacted, meet with an experienced New Orleans car accident lawyer at the Law Office of Braud & Gallagher. You can schedule a free claim review at our firm by calling our office at 1-800-256-5674 or completing the brief contact form you can find on our website