• 
• LA Auto Insurance

Louisiana Auto Insurance Information From The Top Companies in LA

Compare Louisiana Auto Insurance Quotes & Rates for Free

At Auto Insurance Planners, we want to make it easy for you to have all of the information you need on Louisiana car insurance laws, minimum requirements, optional insurance converage, and other tips so that you may choose the best auto insurance policy for you. We provide a free, online quote comparison tool that will give you an instant list of quotes from Louisiana’s top auto insurance companies. You’ll be able to compare the policies to make sure that you are buying the cheapest available policy that covers all of the serviecs you need and want in LA.Learn everything you need to know about Louisiana’s auto insurance laws and compare Louisiana auto insurance company quotes here, your one-stop-shop for all things related to Louisiana car insurance.

Check out the minimum requirements for auto insurance in Louisiana:

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Baton Rouge Today reported, “Effective January 1, 2010, the minimum Liability limits for Louisiana auto insurance will be 15/30/25 upon application or renewal of one’s automobile insurance policy.” The previous requirements were 10/20/10, but supporters of the new requirements stated that those minimums were out of date and did not keep up with the costs involved in accidents.

Louisiana follows a tort system for liability insurance. A tort system is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

What are Personal Injury Protection and Underinsured Motorist Coverage?

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault. Personal injury protection is not required. Louisiana also does not require uninsured or underinsured motorist coverage. An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Louisiana, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Louisiana auto insurance rates.

Click for more information about Louisiana auto insurance quotes.