All states require you to have some sort of liability insurance while driving on the public highways. The state of Louisiana is no different than any other state in the United States. They have certain statutes for all drivers to follow. In Louisiana it is important that you carry your proof of insurance provided by your insurance company at all times while the vehicle is in motion. This will assist you should you be involved in a motor vehicle accident on a Louisiana Highway. You will be able to easily exchange insurance policy numbers, and other pertinent information regarding your insurance company when you are involved in a motor vehicle accident on a Louisiana roadway.
Louisiana is one of the states that do not require too much liability insurance for a person to carry on their motor vehicle. The state minimum for insurance in Louisiana is $15,000 for the death, or injury of another person while involved in a motor vehicle accident, and they top that out at $30,000 per accident for all those who are injured. However, the minimum property damage that one needs to cut area on their motor vehicle is $25,000 per accident. So, if you are involved in a motor vehicle accident with Mercedes-Benz the $25,000 property damage may not be enough to cover the damages should the Mercedes-Benz be totaled out by the Mercedes-Benz owners insurance company.
If you do not carry enough coverage on your vehicle you may be liable to pay out of pocket should you be involved in a motor vehicle accident on a Louisiana roadway. If you are involved in a motor vehicle accident, and the other person does not have insurance for underinsured drivers the other driver may sue you in a civil lawsuit to collect the damages that your insurance company did not cover. An insurance company is only liable to pay out the amounts specified in your insurance policy. So if you have $15,000 for the death or injury of a person and $30,000 per accident plus $25,000 for property damage this is all that the insurance company is required to pay out at the time of the motor vehicle accident involving your vehicle. If the damages are astronomical and exceed the amounts that the insurance company is required to pay out on your behalf then you are indeed personally liable for any monetary value in excess of what your insurance company is required to pay out on your behalf.
If you are found to be driving on a Louisiana roadway with no insurance on your vehicle the penalties could be harsh. You will be signed, and your license may be suspended. This is also true should you be the owner of a vehicle that is being driven on a Louisiana roadway without any insurance, and you had knowledge that your vehicle was going to be driven on the Louisiana roadways and you of course would know that it does not have any insurance. The state of Louisiana could still suspend your license.
Louisiana is one of the states that do not require too much liability insurance for a person to carry on their motor vehicle. The state minimum for insurance in Louisiana is $15,000 for the death, or injury of another person while involved in a motor vehicle accident, and they top that out at $30,000 per accident for all those who are injured. However, the minimum property damage that one needs to cut area on their motor vehicle is $25,000 per accident. So, if you are involved in a motor vehicle accident with Mercedes-Benz the $25,000 property damage may not be enough to cover the damages should the Mercedes-Benz be totaled out by the Mercedes-Benz owners insurance company.
If you do not carry enough coverage on your vehicle you may be liable to pay out of pocket should you be involved in a motor vehicle accident on a Louisiana roadway. If you are involved in a motor vehicle accident, and the other person does not have insurance for underinsured drivers the other driver may sue you in a civil lawsuit to collect the damages that your insurance company did not cover. An insurance company is only liable to pay out the amounts specified in your insurance policy. So if you have $15,000 for the death or injury of a person and $30,000 per accident plus $25,000 for property damage this is all that the insurance company is required to pay out at the time of the motor vehicle accident involving your vehicle. If the damages are astronomical and exceed the amounts that the insurance company is required to pay out on your behalf then you are indeed personally liable for any monetary value in excess of what your insurance company is required to pay out on your behalf.
If you are found to be driving on a Louisiana roadway with no insurance on your vehicle the penalties could be harsh. You will be signed, and your license may be suspended. This is also true should you be the owner of a vehicle that is being driven on a Louisiana roadway without any insurance, and you had knowledge that your vehicle was going to be driven on the Louisiana roadways and you of course would know that it does not have any insurance. The state of Louisiana could still suspend your license.
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