Car Accident Insurance Coverage is Different in Louisiana - We're a "Fault"
January 12, 2016
Many times, you hear about accidents with the term "no-fault" tagged on. No-fault insurance is designed to lower potential litigation costs. It requires personal injury protection and can pay for medical care for each insured driver. However, Louisiana is a "fault" state. After an accident, the driver who is legally at fault for causing the accident is held liable through insurance for a property damage or personal injury from the crash. A New Orleans auto accident attorney can help you understand the difference between the two.
Louisiana has requirements regarding insurance coverage. Liability insurance is required which is supposed to provide financial protection if that vehicle or its owner is involved in a crash. Minimum amounts to carry start at $15,000 for injury or death of a single person, $30,000 for multiple and $25,000 for property damage.
Each policy must also include uninsured/underinsured motorist coverage. This protects you from someone who has no or insufficient insurance but is at fault.
After having an accident, an injured person can take action. They can file a claim with their own insurance company, file a claim with the other person's insurance or file a personal lawsuit. A New Orleans auto accident attorney can be an asset to have on your team if you are involved in this situation.