Louisiana Car Insurance Laws

Whichever state or area one comes from, it is important to have a car insurance plan. One will find it comfortable to choose an insurance cover that suits his or her needs. One should also satisfy the minimum requirements of his or her state.

The laws and regulations governing insurance policies vary depending on the state. The minimum requirements of car insurance in Louisiana are discussed below. Enter your ZIP code into our FREE car insurance comparison tool to find affordable rates that will have you covered!

State car insurance laws may cover documentation, reports of insurance policies, and the minimum coverage. In Louisiana, motorists and car owners must always have liability insurance for their vehicles. All cars must be insured apart from, Louisiana city buses, state vehicles, and parade motorcades.

Traffic policemen and highway troopers, need to be shown proof of the auto insurance on request. Enter your ZIP code into our FREE car insurance tool to get a quote and find affordable rates on minimum liability coverage to stay legal. Any Louisiana driver must carry the following while driving:

• Insurance I.D card
• Declaration page of the insurance contract
• Binder card

Minimum Requirements of Auto Insurance in Louisiana

The state laws mandate a motorist to have liability insurance of the following minimum amounts for specified cases:

• Property damage-$25000
• Bodily injury or death-$30000 per accident
• Person in the accident-$15000

Requirements Depending On the Type of Car

Rental cars insurance is more expensive than personal vehicles covers. Credit card companies sometimes offer coverage for rental cars. One must check, if the auto insurance cover or credit card covers the rental car. Rental car insurance may cost the user a higher charge of $7-$14, each day the car is in use. Sports and luxury cars require more expensive covers as compared to the ordinary vehicles.

All vehicles in Louisiana cannot operate without auto insurance. The vehicles can either be personal cars or rentals.

Laws Pertaining to Excluded Driver Insurance

In the state, insurers can offer insurance covers which omit coverage of drivers from the household. Commonly known as household exclusion, the cover does not cover other people who might drive the car. Therefore, one must ensure that he or she gets a cover which caters for all the people in his house.

Rules on Under or Uninsured Auto Covers

Such coverage in Louisiana is by choice and the law, does not necessitate it. Motorists with this type of cover benefit, if the car is damaged by another uninsured driver. The bodily injuries sustained will be paid for by the insurance cover.

Rules on DUI insurance in Louisiana

DUI convictions fall under criminal offenses, in the state. One may get a 180 day jail sentence and loose his driving license for three months. Apart from getting a criminal record, a fine of $1000 can also be charged on the motorist.

The laws require a motorist to undergo a blood, urine or breathe test, if a highway patrol officer requests them to. The minimum BAC content should be 0.08% and 0.02% for a minor. DUI offenses become felony cases after third convictions which might lead to a full term prison sentence. Getting a DUI insurance cover will entirely depend on the progress of the motorist’s reform process.

Laws Governing Teen Auto Insurance

The major accidents in Louisiana Indiana are caused by teenage drivers. For this reason teen insurance and licenses may be very hard to get, in the state. A teenager under the age of 17 must first undertake a driver license course and pass it. Insurance requirements include a B or higher grade for a teenager.

The teenager must also go through a state approved driving course. The teenager must meet the minimum liability cover required by the state, but some insurance firms require a teenager to have higher covers.

Laws Regarding Prior or Lapsed Insurance

Insurance lapses lead to flagging of driving licenses. The flag indicates that a motorist will not be allowed to renew his license. The license will only be renewed if there is proof of payment effective 10 days after the lapse or cancellation. If the delay came about because of the disposal of the car or relocation, then one must have proof to avoid penalization. Penalties placed on lapsed or delayed insurance payments depend on the number of days. One pays $225 for 90 days, $125 for 30 days, and $50 for 10 day lapses.

Laws That Pertain To Credit History and Auto Insurance

In Louisiana, auto insurance companies have not been barred from using an individual’s credit history. The company can determine the credit worthiness of an individual before selling him insurance policies. The insurance firms also consider the age, mileage, gender, make, and model of the car and where the holder lives.

Requirements on Premium Rates in Louisiana

In 2006, the state of Louisiana average premium insurance payment by its residents, was $1094. Louisiana falls under the most expensive premium paying states, being ranked 3rd in the country.

Louisiana is a tort state, not a no fault state. The tort system implies that someone must have made a mistake to cause an accident.

The laws indicate that all accidents have a cause and cannot occur accidentally. Therefore, it is the responsibility of the accident causer and the auto insurance company, to pay for the damages.

The Department of Louisiana State Government regulates auto insurance laws and companies. This state body liaises with insurance companies and licensing boards. One must ensure that he gets insurance cover from the companies registered under this state regulator. Enter your ZIP code into our FREE car insurance comparison tool to find great rates available to you now!

Louisiana State has unique laws and regulations, governing auto insurance acquisition and policies. Therefore, when shopping for insurance quotes, one should know the minimum requirements. One can get online quotes by entering your ZIP code into our FREE car insurance tool.