Auto Insurance Coverage Requirements in Louisiana
Louisiana law requires minimum levels of auto insurance liability coverage but does not require drivers to carry no-fault or uninsured motorist coverage causing difficulties during accident recovery.

December 30, 2011 /24-7PressRelease/ -- Auto Insurance Coverage Requirements in Louisiana

Most states in the U.S. have laws establishing minimum auto insurance coverage requirements and imposing penalties on car owners who fail to comply with those laws. Louisiana only requires liability insurance, leaving the decision to carry uninsured motorist and no-fault coverage up to each owner. You should know about the various types of coverage since they will determine whether your medical bills and property damage claims are paid in the event you are involved in an automobile accident.

Liability Insurance Requirements

Louisiana requires minimal amounts of liability insurance. These amounts reflect the maximum that the insurance company will pay per accident.
-$15,000 maximum for bodily injuries incurred by one person in one accident
-$30,000 maximum for all bodily injuries sustained in one accident
-$25,000 maximum for property damages caused in one accident

As you may well know, even a minor accident can cause medical bills far in excess of these minimum requirements. Owners can purchase higher limits but many do not since it will increase the amount they pay for their auto insurance.

No-Fault Insurance

Louisiana does not have a no-fault insurance requirement. No-fault policies cover medical bills for you and your passengers no matter who is at fault for the accident. Thus, even if you were the one at fault, your insurance company pays your medical bills should you decide to carry this type of coverage.

Uninsured Motorist Coverage

Although Louisiana does not require that you carry uninsured motorist coverage as a part of your policy, the benefits of doing so may outweigh the downsides in the event of an accident. If you have uninsured motorist coverage and are involved in an accident with an uninsured driver, your policy pays for your losses. Failure to carry such coverage may require legal action against that driver in an attempt to recoup any of your losses. Unfortunately, the reason many owners do not have insurance is because they have no money in the first place.

If you are in an accident and incur medical and property damages, seek the advice of a lawyer who can aggressively pursue the compensation you deserve. Even if you have the best policy money can buy, if you are in a horrendous accident, it is likely your medical bills will far exceed what the insurance companies will pay. Having the assistance of an experienced auto accident lawyer can help you maximize the settlement you receive.

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