OUT OF STATE COVERAGE
When the policy applies to the operation of a motor vehicle outside of your state, and the limits are higher in that state, your insurance will increase your limits to the extent of the limits required by the local law. As long as you possess those coverages in your own policy. For example, if you live in a state that requires PIP and the state you are driving in requires bodily injury, than your insurance will not provide bodily injury since you have not purchased this coverage.You must purchase bodily injury protection to have this coverage. If your PIP is $10,000/$20,000 and the state in which you are driving has a limit of $15,000/$30,000 than your limit will be increased to meet the higher limits required for that particular state.
Louisiana Car Insurance Laws
|The minimum amount of liability insurance required in Louisiana is as follows:|
|$15,000/$30,000 for bodily Injury|
$25,000 for property damage
Automobile liability insurance is generally defined as coverage for bodily injury you cause to another person or for property damage you cause to another person’s property through negligent use of your vehicle. In Louisiana you are required to carry $15,000/$30,000 in bodily injury protection and $25,000 in property damage. The state of Louisiana follows a Tort system. This means that someone must be found to be at fault for causing the accident. The at fault person and their insurance company are responsible for all damages.
Be aware that the liability coverage required by law covers only damage the policy holder does to others. To pay for damages to your car, you will need to purchase collision insurance or comprehensive insurance for damage to your vehicle from other causes.
Uninsured/Under insured Motorist Coverage is not mandatory in the state of Louisiana. Drivers have the right to waive this coverage, but it is highly recommended that you carry it.
In the state of Louisiana, Uninsured/Under insured Motorist Coverage is considered optional coverage, so law does not require it. In the state of Louisiana Uninsured/Under insured motorist coverage pays benefits to the policyholder if their vehicle is hit by a driver who has no insurance or too little insurance to pay for the full amount of the policyholder’s injuries. Any bodily injury the policyholder or any occupant of your vehicle suffers due to an accident caused by another driver is covered under the Uninsured/Under insured motorist coverage policy.
You should be aware that in a competitive insurance market insurance companies charge different rates for essentially the same coverage. Shopping around may result in savings to you on your automobile policy. Be sure to take into consideration the services provided by the company.