Monroe, Louisiana, Getting into a Car Accident Without Car Insurance

Drivers who don’t abide by the laws of Louisiana will find themselves in deep waters with the law. The fines and other consequences of failing to follow the rules can be very serious and it is best for a person to try and avoid breaking any laws to the best of their ability. One of the laws that drivers have to follow is they are required to have minimal auto insurance coverage before they begin operating their vehicle on the road.

If a driver happens to get into a collision that was the fault of the other driver, but they themselves were not insured, they can end up getting in serious trouble along with the other driver. In Louisiana, there is strict no pay, no play rule. This means that even the victims of a car accident will be held personally liable for the damages they were put through. So, if a person does not have insurance, they may lose the opportunity to obtain complete compensation for the damages incurred.

It is important to note that drivers are only required to have minimum liability insurance and they are not required to obtain full or comprehensive coverage. The law also does not apply to drivers from another state that does not have the same coverage requirements as Louisiana. Though the general ruling is no pay, no play, the rules usually do not apply for accidents involving parked cars, claims made by passengers, and for accidents that were caused intentionally or by someone who was driving under the influence.

How much insurance is legally required in Monroe, Louisiana?

There are several coverage limits every driver must meet including:

• A minimum of $15,000 per person of Bodily Injury Liability coverage
• A minimum of $30,000 per accident of Bodily Injury Liability coverage
• A minimum of $25,000 of Property Damage Liability Coverage

If a person was uninsured at the time of the accident, they will likely have to pay fines as well as have to deal with the damages of the accident from their own pocket. Naturally, this is not an ideal situation, and a person should make sure they sign up for insurance as soon as possible to avoid such events from taking place.

Getting into an accident can cause serious drawbacks and anyone who gets into a collision will have to make sure they reach out to a car accident attorney, so they get assistance with their claim. Call a car accident lawyer at the Law Office of Campbell, House, and Company today to get the legal help and support needed.

Reach them at:

1815 Roselawn Ave

Monroe, LA 71201

(318) 855-0285