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Louisiana Car Insurance


Each state has many car insurance rules, regulations and laws that must be followed. For someone who is new to driving or moves frequently, these can become very confusing. If you live in Louisiana, or are planning on moving there in the near future, you will need to know some basic information. Pay attention to what is required by law, what is optional, and what to do if an uninsured driver hits you and can't pay for the damage and/or medical bills. Failure to do so can cost you a lot of money in the long run.

Louisiana requires that any car insurance policy continues some basic coverage. For Property Damage Liability, the minimum state coverage is $10,000. For Bodily Injury Liability, the minimum is $10,000 per injured person. State law also requires up to a maximum of $20,000 per accident. On your policy it may show in a format similar to 10/20/10. The first number refers to the bodily injury liability per person, the second to the maximum per accident and the third number refers to the property damage liability. Review your policy to ensure that you are covered for these requirements.

Optional coverage you may purchase includes Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist Coverage. Personal injury protection ensures you and your passengers medical expenses are covered following an accident. The Uninsured/Underinsured Motorist Coverage is exactly what it sounds like. In the event you are in an accident caused by someone with no insurance, your policy will pay for injuries resulting from the accident. Car insurance is required in Louisiana. Failure to purchase a policy could result in large fines or suspension of your vehicle registration or driver's license. It's definitely not worth it.

States keep a number of statistics concerning car accidents by year. One such statistic to look at is fatal crash rates per population. For 2008, this number was 19.1 per 100,000 people. This declined from 2007 in which it was 21 per 100,000 people. Another statistic to look at is fatal crash rate per 100,000 licensed drivers. This number is 2008 was 28.7 down from 31.7 in 2007. As you can see, car insurance is something you definitely need as you could be involved in a car accident at any time.

For futher information, you can review the following guide prepared by the state of Louisiana http://www.ldi.louisiana.gov/consumers/misc_pubs/Consumers%20guide%20to%20auto%20insurance.pdf. This will answer any and all questions you have about state car insurance laws, rules and regulations.




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Louisiana Car Insurance

Although New Orleans, Baton Rouge, Shreveport, Metairie, and Metairie Terrace are the biggest cities in Louisiana cheap car insurance rates vary from city to city and rates in Lafayette may or may not be different than Lake Charles. Whether you live in Kenner, Bossier City, Monroe or some other city in Louisiana take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Louisiana.


 

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