Louisiana Car Insurance

All registered vehicles in Louisiana need proper Auto Insurance. Otherwise, you pay fines and your vehicle faces confiscation. Besides, you need to carry proof of your Auto Insurance in your vehicle always. In absence of such proof, you could lose your vehicle, license plates, and your registration. You also have to place a yellow sticker on back windshield of your vehicle.

What is my coverage under Louisiana Auto Insurance?

You receive specific mandatory and non-mandatory coverage under Louisiana Auto Insurance. Normal minimum coverage is $10,000 for others, $20,000 for all injured and $10,000 for property damages.

Mandatory Coverage

Mandatory coverage encompasses Bodily Injuries Liability and Property Damage Liability. Bodily injuries liability covers personal injuries due to negligent driving of you, your family members, or others driving your vehicle with your prior permission. This extends to rental cars also. However, company cars and cars not owned by you are not eligible for such coverage. Property Damage Liability covers damages to your or others property due to your improper driving.

Non-Mandatory Coverage

Medical Payments

This covers medical and funeral expenses of all injured or dead irrespective of whose fault led to accident. Medical expenses are subject to a particular time limit and according to your policy rates.

Uninsured or Underinsured Motorist

This covers your bodily injury expenses even if other driver has no or little liability insurance. You could also opt for uninsured motorist economic policy, which covers only actual costs of injuries and does not pay for your pain or suffering. Property damage cover under this coverage gives you either repair expenses of your vehicle to a limit of $10,000 or cash value of your vehicle, whichever is lesser. However, you are not eligible for such coverage if you have collision insurance.

Towing and Labor

Such coverage pays for labor charges and cost of pulling your vehicle after accident. This is normally $25 for each tow.

Comprehensive

Such coverage pays for non-collision factors like theft, fire, wind, storm, flood, mob rage, and such others.

Collision

Such coverage pays for damages to your vehicle irrespective of whose negligence led to accident.

Rental Reimbursement

Such coverage is for accidents of rental cars due to collision or any other form of damage.

Louisiana Car Insurance

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