Louisiana Auto Insurance
Requirements of Motorists under LA State Law
Everyone has an opinion about insurance. Some people
believe it is a conspiracy to con hardworking people out
of money. You can not imagine how much you need insurance
until you something happens that you were not prepared
for.
Weather its a car accident, a flu, a fire,or a theft
these things happen all the time. You never know if or
when something might happen to you. Don't be caught off
guard by life's unpredictable events.
There are certain "requirements" that are applicable
to each state and varies accordingly. We have attempted
to compile all of the relevant information in to this
single resource to help visitors know what is expected
of them in regards to insurance.
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Louisiana
Car Insurance Requirements
Coverage Minimum - 10/20/10
Coverage Explanation - Car insurance
coverage in Louisiana must provide a minimum of $10,000
for injury liability for one person in an accident, $20,000
for all injuries in an accident, and $10,000 for property
damage in an accident.
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Important Louisiana
Auto Insurance Laws!
1. All motor vehicles registered or operated in LA must
be covered by a liability insurance policy.
2. Uninsured/Underinsured Motorist coverage is not required
but is recommended.
Important to Note:
Louisiana auto insurance law requires that all registered
owners of an automobile carry liability insurance. Uninsured
motorists are subject to penalties such as fines, limited
recovery of damages, and impoundment of the uninsured
vehicle.
In accordance with Louisiana auto insurance law, motorists
who fail 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.
The motorist is then given 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.
The 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.
The Louisiana auto insurance law known as "No Pay,
No Play" 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 Louisiana auto insurance 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.
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Insurance
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