Louisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. 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 Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.

Accidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.

Have you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of 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? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. 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.