Motorists should take care in understanding and choosing their automobile insurance provider. After a Louisiana car accident, an insurance claim is the first step in recouping damages. It is vital that motorists are fully aware of their policies and their limitations. Drivers should shop around for an appropriate policy, get quotes, be mindful of insurance scrams, and only purchase insurance from authorized companies. The Louisiana Department of Insurance provides consumers with tools to determine whether an insurance company is legitimate. Choosing an appropriate insurance company is critical to recovering damages after an accident. However, in some cases, car insurance does not cover the extent of a person’s damages, and injury victims should contact an attorney to discuss their rights and remedies.
Under Louisiana’s car insurance laws, motorists must carry liability coverage for any automobile they own. The coverage provides protection for property damage or personal injury that the policyholder may be responsible for. The law requires that each vehicle has 15/30/25 liability limits. This structure provides $15,000 for bodily injury to one person, $30,000 for bodily injury to more than one person in one accident, and $25,000 for damages to another’s vehicle or property.
Liability insurance covers policyholders if they, their family members, and other drivers operating the car with permission, cause an accident. This insurance also provides coverage in certain instances, if the policyholder or their family member is driving another person’s vehicle or a rental car. Drivers can also purchase medical payments coverage. This coverage pays for medical expenses for a certain period after an accident. However, in some cases, the accident may result in long term medical expenses, and this coverage may be insufficient. In addition, comprehensive coverage pays for certain damages to a policyholder’s vehicle resulting from other causes, including fire, explosion, and vandalism. Moreover, collision coverage pays for damages to a policyholder’s vehicle regardless of fault. Some insurance companies offer towing and labor coverage, which pays a limited amount towards towing costs.