Louisiana drivers are required by law to maintain at least liability insurance. They must evaluate policies to ensure they receive no less than $15,000 for any accident injuries with a maximum of $30,000. The policy should offer at least $25,000 for property damage. This Motor Vehicle Insurance in Sulphur LA pays expenses if they are at-fault in an accident.
Why Do Drivers Need Liability Insurance?
Liability insurance covers medical expenses for accident victims. It also pays for auto repairs that happen as a result of the accident. The state requires this coverage to prevent the potential for auto accident lawsuits.
How Do They Acquire Coverage?
After an accident, the at fault driver must file a claim through their insurance policy. A claim’s adjuster reviews all medical bills and auto repair estimates submitted by the victims. They determine the value paid through the policy. For victims with extensive injuries, they may offer a settlement for longer medical coverage requirements.
How Do They Determine Who is At Fault?
Law enforcement reviews the series of events that led up to the accident. They conduct chemical testing if any drivers appear intoxicated. All details are recorded in the accident report. This includes information about each driver. Before they file a claim, the driver must acquire the official accident report from the designated law enforcement agency.
Examining Additional Coverage Values
Some drivers may choose to acquire higher insurance policies. For example, under or uninsured motorist insurance covers damage caused by drivers who don’t have insurance or don’t have enough coverage. These policies provide coverage for the driver’s vehicle.
Comprehensive coverage on the other hand, offers coverage for both vehicles. This allows the owner to file a claim through their own policy after an accident. It will also provide them with a rental car while their vehicle is repaired.
Louisiana drivers must review all auto insurance requirements to maintain compliance. If they don’t keep valid insurance, they could face fines and possible suspensions. The fines for this infraction begin at $100 and could exceed $700 based on previous convictions. Drivers who need Motor Vehicle Insurance in Sulphur LA should visit.
