Louisiana Auto Insurance Quotes
Reader’s Question:
What is the reason why the state of Louisiana require liability insurance?
Sean
Shreveport, LA
Liability insurance pays claims if you are responsible for damaging or hurting another individual or for damaging another individual’s property. Without insurance you would be personally responsible for taking care of these expenses which could run in to hundreds of thousands of dollars depending upon the type of injuries and the type of damaged car the other motorist and their passengers may have sustained.
According to Louisiana law, the only insurance you are required to carry is 10/20/10 liability coverage on your car. That is, if you are liable for injury or damage in an car accident, the minimum liability policy will pay up to $10,000 for bodily injury to one person up to $20,000 for bodily injury per accident to more than one person and $10,000 property damage per accident.