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.
Louisiana Auto Insurance Quotes
Auto Insurance Center Methodology
Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male, 40 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.
Insurance Fraud 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.
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.
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."