Louisiana Auto Insurance Quotes

Even with the strong multilingual, multicultural heritages that span across this state of bayous, islands, and Mardi Gras celebration, finding someone who speaks your language online shouldn’t be a hassle when it comes to getting Louisiana auto insurance quotes. Here are a few tips to help save you some valuable money!

Louisiana Legal Requirements

Louisiana motorists and drivers must carry properly validated liability insurance on all registered vehicles, whether or not they are currently being driven. These minimums are $15,000 for bodily injuries to a single person, up to a total of $40,000 for all bodily injuries in an accident, and $25,000 for property damage, increases that became effective on January 1, 2010. The Bayou state does not require personal injury protection or uninsured motorist coverages, but these can be easily added to your policy by your carrier.

Provide Proof, Avoid Fees

A current, up to date insurance card is the best way avoid trouble when you need to provide proof of insurance. In a state where vehicles can be automatically impounded or have their plates removed and be marked as an uninsured vehicle, it doesn’t pay to drive uninsured. Fees begin at $75-$100 for first offenders, increase to $100-$250 for second violations, and skyrocket to $700 for all offenses thereafter, so keeping your car insured is the best way to make sure it doesn’t become a veritable money trap!

Louisiana Tort Determination

Using the tort system, Louisiana holds the driver determined to have caused the accident responsible for the payment of accident expenses for other drivers and passengers involved, who may also sue the at-fault driver in civil court. Such lawsuits commonly attempt to recoup damages for things such as lost wages, ongoing medical treatment, or pain and suffering caused by the accident.