Louisiana Car Insurance Laws and Regulations
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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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