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Auto Insurance Requirements in Louisiana

The Louisiana Department of Insurance characterizes auto insurance fraud in two ways, "hard" fraud and "soft" fraud. Hard fraud is a "dedicated effort" by criminals to defraud insurance companies by committing illegal acts, such as staging accidents. Soft fraud is more common, and an example of soft fraud would be claiming more damage on an accident report than actually happened.

There are many types of fraud that fall into the hard- and soft-fraud categories. A few examples would be claiming that a "hidden" car is actually stolen, insufficient reimbursement by a claims adjuster, cutting corners on repairs and filing a deceptive claim for a previous accident. Auto insurance fraud costs the state millions of dollars each year.

Alcohol-Related Accidents

Louisiana has about 800-900 auto accident deaths each year with many of them resulting from driving under the influence of alcohol. In recent years, Louisiana has implemented stricter enforcement of drunk driving laws, and this has lowered their number of drunk driving fatalities slightly.

But, even with fewer fatalities, no one should die at the hands of a drunk driver, and one death is too many.

Strange Louisiana Laws

  • It is illegal to tie an alligator to a fire hydrant
  • It is illegal to throw Mardi Gras beads from a third-story window.
  • It is illegal for a woman to drive a car unless her husband is waving a flag in front of it.

Driving in Louisiana

Visitors to the Bayou State can expect good food, good music and plenty of fun, especially around New Orleans. No matter where travelers decide to venture, they will drive by waterways where they can ride on paddle boats, go on a haunted city exploration or take a driving tour through Creole County, one of National Geographic's "Ultimate Road Trips." 

Auto Insurance Requirements

Louisiana drivers must prove financial responsibility by purchasing liability insurance from an agent and carrier authorized to sell automobile insurance in the state as follows:

  • Bodily injury or death per person: $15,000
  • Total payout per accident for bodily injury or death: $30,000
  • Property damage: $25,000

In Louisiana, if an insurance carrier cancels a driver's insurance coverage, his or her license and registration will be suspended. The driver has 10 days in which to re-establish coverage.

If you are involved in an accident without liability insurance you may have your driver’s license suspended and registrations revoked for 180 days.

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