Auto Insurance Louisiana
Louisiana boasts one of the richest diversity cultures in all of America. When you visit Louisiana, it almost feels like you’ve entered another country. The Creole accent and cooking, French and Spanish historic influence and the fact it is nestled in the southern part of the United States makes Louisiana stand out in terms of interesting culture. CheapestAutoQuote.info makes its living building solid relationships with the people and insurance companies in Louisiana to create easy comparison shopping for Louisiana drivers seeking auto quotes.
Like all states in America, Louisiana was originally populated by Native Americans. However, unlike other states, Louisiana was also heavily inhabited by French and Spanish colonists – way before it was considered part of the United States. The Cajun peoples of Acadian France have long set up homes in Louisiana coastline and swampland. Plus Louisiana is a southern state as well with all the cultural references and history that entails. This entrenched diversity makes Louisiana a site to behold with its annual Mardi Gras festival, miles of swampland, and tropical climate.
Louisiana Cost Averages Per Driver
Current average car insurance premium in Louisiana $1,787.69
Current average car insurance premium U.S. $1,446.49
Average premiums in Louisiana cities
New Orleans $2,262.22
Baton Rouge $2,147.81
Uninsured or underinsured Motorist in Louisiana
Drivers who do not properly insure their vehicles according to state law pose a serious risk to other drivers. Even if you have auto insurance coverage that protects you in case you cause an accident, an uninsured driver could cost you thousands of dollars. Due to the fact that Louisiana is an at fault state, the driver who causes the accident is responsible for paying for all the damages. If another uninsured driver hits you, and you don’t have uninsured motorist insurance, you could find yourself repairing your vehicle and paying your medical expenses out of pocket.
How much Louisiana UM & UIM Coverage should you get?
Statistically, Louisiana has a 12% rate of uninsured drivers operating throughout the state. If a driver is unfortunate enough to be hit by an uninsured driver, they may find themselves having to cover the medical expenses and property costs associated with the wreck. Uninsured and underinsured coverage makes it possible for the insured driver to contact their own insurance company to help pay for the damages.
Determining at Fault for an Auto Accident-in Louisiana
Like with most states, Louisiana follows the Tort system. Tort states require drivers who cause accidents to cover the damages involved. This usually means the at fault driver’s insurance company will be contact to cover all property and bodily injury damages that occur in an accident. A Tort state restricts a driver’s ability to sue another drive for damages caused in a collision.
Louisiana Coverage Requirements
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $25,000 Limit
Helpful Resources
http://www.dmv.org/la-Louisiana/car-insurance.php
www.ldi.la.gov
