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Louisiana Auto Insurance

Required Coverage Minimum - 10/20/10. In Louisiana, auto insurance law requires every motorist registering and operating a motor vehicle must purchase insurance policies with a minimum coverage limit of $10,000 for injury liability for one person in an accident, $20,000 for all injuries in any single accident, and $10,000 for property damage. Since these limits are extremely low, it is highly recommended that you purchase higher liability limits. Especially if you own assets you need to protect them if you are sued for liability as a result of an accident.

Mandatory Insurance Coverage - The required liability insurance coverage is a Property Damage Liability policy and Bodily Injury Liability policy.

Optional Coverage - Although not required, Uninsured Motorist and Underinsured Motorist policies are considered prudent to obtain to provide you with coverage should you be struck by a motorist with inadequate insurance. This is especially recommended since the liability limits are considered very low relative to the rest of the states.

Also, Louisiana has an auto insurance law known as the "No Pay, No Play" law. This prohibits uninsured motorists from collecting the first $10,000 in property damages and the first $10,000 in personal injuries regardless of who causes the accident. This law also includes a provision that may allow you to waive your right to make a legal claim for pain and suffering if you buy economic-only Uninsured Motorist coverage.

Proof of Insurance - You must carry proof of insurance in your vehicle at all times.

Penalty for Failure to Comply - Motorists failing to provide proof of insurance can have their vehicles immediately impounded or have their license plates removed and a yellow sticker affixed to the back windshield of the vehicle. Then the motorist has three days to provide proof of insurance to the Office of Motor Vehicles. After three days, if the motorist is stopped again, the officer can impound his or her vehicle until proof of insurance is given and all towing and reinstatement fees are paid. Fines range from $75 to $100 on the first conviction, $100 to $250 on the second conviction and up to $700 on each conviction after that.

Non-Seatbelt Use
Louisiana seatbelt law requires that you wear seatbelts in your vehicle. Therefore, you can be pulled over for non-seat belt usage. The penalty for seatbelt non-compliance, is a $25 fine per any seat in violation in the front seat.

Lawsuits - There are no restrictions on lawsuits for Tort liability resulting from an accident in Louisiana

Louisiana Department of Insurance

1702 N. 3rd Street
Baton Rouge, La. 70802

Telephone: 225 342-5900
Toll free: 800 259-5300

Louisiana Department of Insurance Website: http://www.ldi.state.la.us/

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