How Much Insurance Do I Need in Louisiana?

Having insurance in any area of life is an important thing, but it is not a must. However, you must get car insurance if you want your vehicle out on the road whether or not you are driving it. It usually doesn’t seem like a great deal until an accident happens and you have to file a claim. You wouldn’t want to be involved in a crash with an uninsured person since that means you can’t file a claim.

It is vital that you carry adequate car insurance not only for other road users but yourself. It is in the law, and you stand to receive various fines and penalties for operating an uninsured vehicle. In case you get into an accident, and you have some issues with the claim. It is best that you talk to an experienced attorney.

Your attorney is best placed to deal with any issue concerning your claim after a car accident. He can use past experiences to advise you on what you can do, and once you make a decision, he will take care of the rest.

How Much Insurance Do You Need in Louisiana As Advised by Car Accident Attorney Baton Rouge?

The state law requires that you have at least minimum liability coverage. A liability cover is one that takes care of both property loss and injury after an accident. It is mandatory that you carry the minimum insurance required otherwise you will be fined.

The minimum requirement includes:

  • $25,000 for damage of property.
  • $30,000 for bodily injury per accident.
  • $15,000 for bodily injury per person.

In total, you need to have at least $70,000 worth of car insurance cover to operate a vehicle legally. The breakdown of what covers what is simple. The $25,000 is for any property that damaged during an accident. That can either be for the other driver or your vehicle.

The $15,000 is to pay for an injured person in the crash whether it is you, another driver or passenger. $30,000 covers any multiple people that may be hurt or are deceased following the accident. That covers the minimum requirement, but you can have additional coverage if you wish.

Most of the time, car accidents end up costing a lot more than what the minimum cover can manage, that is why you need additional protection. That may put a lot of financial pressure on you hence forcing you to pay out of your pocket. As a result, Louisiana lawyer advice that you get extra insurance if you can afford it.

You need to have proof of insurance by providing:

  • A copy of the insurance policy.
  • An insurance card issued after purchasing the policy.
  • A photograph of your insurance card on your phone.
  • The declaration of your policy.

If you are unable to prove that you have adequate car insurance, you may get penalties. The police officer can either impound your vehicle or remove your license plate. If he removes your license plate, he should give you temporary vehicle authorization allowing you three days to get the proof of insurance.

If your policy was canceled and your license revoked, you have to pay a fine. The fines are $100 for a first offense and $500 for the second offense. For all other crimes, you pay a fine of up to $1,000.

What Is Uninsured and Underinsured Coverage?

Not everyone that is operating a vehicle is insured, and that is a big problem. If you get into an accident with an uninsured driver, it becomes impossible for you to seek compensation. That is because there is no insurance company to receive the claim form.

However, there is a way to deal with this problem when you are purchasing your policy. Ensure that you have signed for uninsured motorist coverage. That allows you to seek compensation for injuries after an accident with uninsured drivers.

It is important to remember that Louisiana is a “no pay, no play” state. That means that even if you caused an accident with an uninsured driver, they could not submit a claim to your insurer for compensation.

Call Auto Accident Attorneys Baton Rouge Today for More Information

The best person to deal with any issues you may be having after a car accident is your lawyer. He is knowledgeable about what may happen and how to solve it. That is why you should call Accident Lawyer Louisiana in case of any problem. We have the best team that will handle your case swiftly and efficiently so that you get what you need.