Insurance requirements in Louisiana help protect drivers. A car crash can cause tens of thousands of dollars in property damage and hundreds of thousands of dollars in medical issues quickly, and the average Louisiana driver may not have the personal resources to cover the cost because when their actions lead to a collision. Insurance protects you from liability when you are at fault or out-of-pocket expenses when you are not the one to blame for the wreck.
If you get into a wreck caused by an uninsured driver, you either need to make a claim against your own specialized coverage or take the other driver to civil court. How likely are you to encounter an uninsured driver on the Louisiana roads?
More than one in 10 drivers are uninsured
Despite risking not only fines but also liability for crashes, many Louisiana drivers let their policies lapse. Louisiana is average when it comes to its rate of uninsured drivers. It takes 26th place in the ranking of uninsured drivers by state, based on 2019 data. There are roughly 11.6% of drivers in Louisiana without insurance at any given time.
You can protect yourself from these kinds of collisions by carrying uninsured motorist protection on your own policy. You also need to know your rights and assert them after a crash, such as the right to take someone to court when their negligence or illegal driving habits caused a collision. Knowing what steps to take after a car crash will reduce the impact of the wreck on the rest of your life.