Louisiana law requires liability insurance to cover property damage or bodily injuries resulting from an accident you cause. However, it does not cover injuries you or your family incur; for that, you will need Personal Injury Protection and Medical Payments coverage. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Required Liability Coverage in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage You can choose higher limits for added protection.

Louisiana Law requires insurance carriers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. However, it is not a mandatory component of your auto insurance policy. This coverage protects you in the event of an accident caused by a driver lacking insurance or insufficient coverage. Minimum Required UM/UIM Coverage in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) You can select higher limits if you require increased protection.

SR-22 insurance serves as a liability document for high-risk drivers. It demonstrates your financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. The state typically mandates it for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations. Been involved in an accident without proper insurance coverage. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.