Louisiana Auto Insurance - (LA)

No matter where you reside, it’s crucial to obtain the best auto insurance coverage to fit your needs. But beyond your personal comfort level, your coverage also must satisfy requirements set by your state. Auto insurance guidelines are different throughout the United States, so it’s very important to know the requirements if you’re thinking of moving to a new state. Guidelines can mandate coverage levels, documentation requirements and even the way your insurance coverage is reported. Be sure you’re in compliance with state laws.

Auto insurance laws for Louisiana

Drivers in Louisiana have very specific requirements to meet when it comes to auto insurance, and the penalties for failing to comply can be extremely strict. In addition to coverage standards, be sure you’re in compliance with Louisiana’s policies for notifying the state of your insurance coverage changes.

At various times, you may be required to show proof of insurance in Louisiana. These occurrences include if you’re pulled over by an officer, when you apply for registration, or even possibly when you’re renewing a driver’s license.

Generally, proof of insurance can be satisfied by carrying your insurance card in your car’s glove box at all times. Your insurance policy or a letter from your insurance company could also suffice.

Unless your car is a municipal vehicle, you will be required to carry liability insurance. Louisiana state law requires that you carry at least $15,000 coverage per person and $30,000 per accident for death or injury, and $25,000 for property damage coverage.

Penalties can be severe in Louisiana if you fail to provide proof of insurance or if you fail to carry the state required insurance. For example, if you cannot provide an insurance card, you could face fines, penalties and suspension of your registration. Generally, you will have a grace period to allow you a chance to comply with the regulations and produce proof of coverage.

If you cancel your policy, your carrier will notify the state immediately. Once the state knows you no longer have coverage, you will be unable to get a new registration or renew your existing one until you prove you have new coverage. Make sure you pay your premiums on time and renew your policies on time. If you get a new policy with a new insurer, your company will notify the state.

To avoid any confusion, always carry proof of insurance in your vehicle. This will protect you in the rare case of a computer glitch or misplaced file with the state.

Insurance tips for consumers

Shopping for insurance can be confusing and arduous. Fortunately, the Internet provides a great outlet for comparison shopping and research. When looking for a new policy, be sure to get competitive quotes from different companies to make sure you’re getting the coverage you want at a price you’re comfortable with.

If you are concerned about the cost of your premiums, you can consider raising your deductible to save overall. Remember that in the case of a claim, you will be responsible to cover more costs if your deductible rises.

Your credit affects your insurance rates. Pay your bills on time, and keep your premiums low!

Department Of Louisiana (LA) State Government That Regulates Auto Insurance:

Web Site: www.ldi.state.la.us

Email: public@ldi.state.la.us

How To Contact Directly:

Physical Address:

Louisiana Department of Insurance

The Poydras Building

1702 North 3rd St.

Baton Rouge, LA

Mailing Address:

Louisiana Department of Insurance

Post Office Box 94214

Baton Rouge, LA 70804

Phone: 1-225-342-0895

Toll Free: 1-800-259-5301

Louisiana (LA) Mandatory Auto Insurance Minimums

• Liability: 10/20/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Regulations Regarding Proof of car insurance: Proof Required - When Obtaining Registration, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory Insurance: Confiscation of license plate plus reinstatement fee of $50

How To File A Complaint About An Insurer:

Complaint Filing Information From The Louisiana Department of Insurance

Page That Links To Complaints Forms

Or Call:

Phone: 1-225-342-5900

Toll Free: 1-800-259-5300 (In-State)