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Insurance Facts
AUTO INSURANCE 101
The Insurance Center of New Orleans wants consumers to be informed about Louisiana's motor vehicle law so they can make the right choices when purchasing an auto insurance policy. With us, you can rest assure that our goal is to help you design a policy that fits your specific needs while providing sufficient protection at a good value.
Louisiana's Motor Vehicle Law
Louisiana's motor vehicle law requires registered owners of vehicles to purchase and maintain minimum auto insurance and keep a current Motor Vehicle Insurance Identification Card in the vehicle at all times. The law also requires all drivers to operate a vehicle that is currently insured under a valid auto insurance policy.
State Minimum Coverages (15/30/25)
| Coverage |
What it Protects |
Minimum Required by Louisiana Law |
| Bodily Injury Liability (BI) |
Protects you for your legal liability for injuries you've caused to others |
$15,000 each person/$30,000 each occurence |
| Property Damage Liability (PD) |
Protects you for your legal liability for damage you've caused to the property of others (their car, fence, house, etc.) |
$25,000 each occurence |
Optional Auto Insurance Coverages
| Coverage |
What it Protects |
| Uninsured Motorist Coverage (UM) | Protects you in a situation where you suffer injuries due to another driver's negligence, but the other driver has no auto insurance. |
| Underinsured Motorist Coverage (UIM) | Protects you in a situation where you suffer injuries due to another driver's negligence, but the other driver's insurance is not enough to cover your injuries. |
| Comprehensive Coverage (COMP) | Pays for losses such as theft of your vehicle and damages caused by fire, windstorm, vandalism, flood, etc. |
| Collision Coverage (COLL) | Pays for damages to your car when it is involved in any type of collison. |
| Rental Reimbursement | Pays for vehicle rental expenses when there is a loss of use of your insured vehicle. |
| Roadside Assistance | With just a phone call, you receive assistance with minor roadside emergencies such as locking your keys in the car, running out of gas, or getting a flat tire. |
