For more information on how car insurance works in Louisiana, see the Louisiana Department of Insurance's Consumer Guide to Auto Insurance. If you've had a car accident in Louisiana, you may need more than just the basics of how car insurance works in your state. Understanding the minimum insurance requirements in Louisiana is critical to managing the insurance claims process after an accident. In addition, if a court finds you responsible for the damages suffered in a car accident and your insurance doesn't cover all the damages, you may have to compensate people with your personal finances.
Here are some common types of car insurance that you can add to your policy to strengthen coverage. Of course, these penalties are likely to pale in comparison to the financial impact you could suffer if you were in a car accident and didn't have car insurance, especially if you are at fault for the accident. As a result of the financially devastating effects of car accidents, many states impose minimum insurance requirements to protect both accident victims and at-fault drivers. This means that the person who was at fault for causing the car accident is also responsible for compensating others for any damage resulting from the accident (from a practical point of view, the at-fault driver's insurance company will absorb these losses, up to the limits of the policy).
If you're struggling to find a company to insure you in Louisiana, it might make sense to consider the Louisiana Auto Insurance Plan, which helps link vehicle owners to reputable insurance companies. Learn more about what to do after a car accident and how an attorney can help you with your car accident claim. Louisiana legislators enacted laws requiring all motorists to have a minimum level of insurance to pay in the event of a car accident.