Whether you're looking to start new coverage or switch to SafeAuto, you'll want to make sure you have the minimum car insurance coverage that Louisiana law requires. SafeAuto can help you get cheap auto insurance rates that meet Louisiana's state minimum requirements. Get a free car insurance quote online today!
Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. *They are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000*
Louisiana's Financial Responsibility law requires you to maintain liability limits of at least:
The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.
The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $15,000 per person limit.
The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.
To ensure drivers continue to meet the Financial Responsibility requirements, Louisiana requires insurance companies to report to the Department of Public Safety and Corrections, Office of Motor Vehicles whenever liability insurance on a vehicle is issued, procured, recalled, reinstated, terminated, canceled, or changed from binder status to an active policy.
Failure to maintain proper insurance could lead to the loss of your plates and vehicle impoundment.
If there is a lapse in your insurance coverage for more than ten (10) days you may be required to pay the following fees to reinstate your license:
An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the state providing proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:
If you are required to maintain a certificate of Financial Responsibility, your insurance company is required to provide the state with at least ten (10) days advance notice before termination. SafeAuto will only issue a Louisiana SR-22 to Louisiana residents.
You can file a Statement of Non-Use if you are going to cancel the liability insurance on a vehicle that you own and will not be using on any roads or highways. Your vehicle record will immediately be updated to indicate that the vehicle will not be used from the "beginning date" through the "ending date" that you enter. For the purposes of canceling the liability insurance on this vehicle this statement must be submitted to the Office of Motor Vehicles prior to or within ten (10) days following the termination date of the liability insurance policy. If not, this statement cannot be used as compliance for the cancellation of liability insurance.
In the alternative, you may also surrender your plates to the office of motor vehicles in person or by mail to avoid penalties and reinstatement fees for vehicles that are not in use.
You can get a car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.