If you are a registered owner of an automobile in Louisiana, you are required by law to have auto insurance. Not having auto insurance in Louisiana can lead to fines, impounding of your vehicle, and limiting recovery of damages if you are injured in an accident.
The type of insurance that is required is liability insurance. Liability insurance covers damages and injuries that you, or someone who is driving your car, cause in an accident. The minimum amount of coverage you are required to have is 15,000/30,000/25,000. These numbers are dollar amounts for bodily injury and property damage.
With this policy, the maximum amount of coverage for bodily injury per person is 15,000 dollars. If more than one person is injured, the maximum amount of coverage for bodily injury per accident is 30,000 dollars. And the last number refers to property damage. The maximum coverage for property damage is 25,000 dollars.
The 15,000/30,000/25,000 is the minimum amount required, however you can opt for higher dollar coverage if you choose. There are many options for additional coverage. An authorized insurance carrier can help you decide what policy is best for you.
What is the No Pay, No Play Law?
Louisiana also has the No Pay, No Play law. Under this law, if you own a vehicle and do not carry auto insurance and are injured in an accident, the law may prevent you from recovering damages, even if the accident was not your fault.
If you have been injured in a car accident and have questions regarding your accident or regarding the No Pay, No Play law, don't hesitate to call The Womac Law Firm for a free consultation. Call us anytime at (504) 470-3935. We are available 24/7 to answer your questions.