Louisiana legislators enacted laws requiring all motorists to have a minimum level of insurance to pay in the event of a car accident. While your auto liability insurance policy covers all passengers in your vehicle injured in an accident caused by the driver's negligence, it most likely won't offer any liability coverage when the injured passenger is your spouse, unless you take out supplementary spousal liability insurance. If you don't maintain liability insurance coverage for your car at all times, it can result in the suspension of your vehicle's license plate and driver's license, as well as other significant monetary penalties. Woodbridge car accident lawyer Gerald Schwartz is an expert in covering underinsured motorists as a legal tool to help injured people improve their insurance recoveries in cases of car accidents.
Insurers are required to report information, such as cancellations, renewals and issuance of new policies, to the DMV about all the people they insure for motor vehicle insurance. As a result of the financially devastating effects of car accidents, many states impose minimum insurance requirements to protect both accident victims and at-fault drivers. Keep in mind the importance of maintaining the required motor vehicle insurance coverage on an ongoing basis while you own a car. If someone in your car is injured by the driver of an uninsured vehicle or by a motorist who crashes, you must file a claim with your auto insurance company under this coverage.
Understanding the minimum insurance requirements in Louisiana is critical to managing the insurance claims process after an accident.