Understanding Louisiana’s Auto Insurance Laws: Protect Your Rights



Understanding the insurance landscape in Louisiana is crucial for every driver. The state has specific laws about car insurance and understanding these can make a significant difference if you’re involved in a car accident. Here at The Burrell Firm, located at 3337 N. Hullen Street Ste. 200 Metairie, LA 70002, we help clients navigate these laws every day.

Louisiana’s Minimum Liability Insurance Limit

Louisiana requires all drivers to carry minimum liability insurance of $15,000 per person and $30,000 per accident. If another driver causes an accident, and they are insured, you are guaranteed a minimum of $15,000 for recovery. However, if there are multiple claimants and the $30,000 limit is exceeded, the amount will be prorated.

No Pay/No Play Policy

Louisiana follows the No Pay/No Play policy. If you’re involved in an accident caused by someone else, but you don’t have auto insurance, you won’t be able to recover the first $15,000 for personal injuries and $25,000 for property damage.

Uninsured/Underinsured Motorist Benefits

All auto insurance companies in Louisiana must offer uninsured/underinsured motorist benefits unless the insured party expressly waives these benefits. If you do not sign a rejection form, your policy will include these benefits.

Non-Fault Accidents and Your Premiums

Insurance companies in Louisiana are prohibited from increasing your premiums if you are not at fault for an accident. The same applies when you make a claim for uninsured/underinsured motorist benefits.

Ridesharing Companies and Insurance

Ridesharing companies like Uber and Lyft are subject to specific regulations. When they have a paying fare, they are required to carry $1,000,000 in liability and underinsured motorist benefits. If the driver is online but without a fare, they must carry $50,000 per person and $100,000 per accident in liability and underinsured motorist benefits.

Importance of a Police Report

Always request a police report after an accident. This document can protect your claims, particularly if the at-fault party changes their story or is unresponsive to their insurance company.

Medical Liens and Private Insurance

Both Medicaid and Medicare are entitled to be reimbursed for benefits extended due to a third-party accident. Private insurance companies may also seek reimbursement if they pay for your medical expenses following an accident.

X-rays and Injuries

X-rays can only identify fractures or broken bones. However, not all injuries from an accident are detectable through this method. Therefore, it’s critical not to rule out other serious injuries if your X-ray comes back clean.

Proving Liability and Damages

In Louisiana, proving that someone else is at fault for an accident is not enough for you to recover damages. You also need to demonstrate that you suffered harm as a result of the accident.

Injuries from Drunk Driving Accidents

If a drunk driver injures you, you may be entitled to punitive damages. These are meant to penalize the drunk driver and could be a multiple of your pain and suffering and medical bills.


Navigating Louisiana’s complex auto insurance laws can be challenging, especially after an accident. The Burrell Firm is here to help you understand your rights and determine the worth of your case. If you’ve been injured in an auto accident, don’t hesitate to reach out to us at (504) 475-7578 for a free initial consultation.

This blog post is for informational purposes only and does not constitute legal advice. Always consult with an attorney for your specific needs.

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