What kind of auto insurance is required for drivers in Fred?

Fred, LA – All states have a requirement that drivers carry some kind of auto insurance. This is meant to financially protect various parties from any damage caused by a driver during the course of an accident. Even if insurance coverage is available, there may also be situations where the driver is sued for damages. In these situations, it can be helpful to consult with a local accident attorney in Louisiana to get more information. 

Liability coverage

Anyone who wants to drive legally in Louisiana must have liability coverage on their car. This is meant to pay out other parties if the driver causes injuries or property damage. These liability requirements include at least $15,000 worth of coverage for bodily injuries or death per person, $30,000 in coverage for injuries or fatalities in total for each auto accident, and up to $25,000 worth of coverage for property damage. Any policy that is purchased from a licensed insurance provider in the state will contain at least these coverage amounts.   

Additional types of coverage

A driver will need to pay more if they want protection for their own losses and damage to their vehicle. Depending on the insurance company, this can be added, but there will be an additional cost versus the minimums required by law. Each driver will need to determine their relative risk for losses based on how much they drive and other factors. For some people who do not spend much time on the road, it may not be worth investing in other types of coverage when their risk of accident is low.

Uninsured drivers and accidents

Despite the legal requirements for insurance, there are many drivers who are involved in crashes in Louisiana each year. One of the best ways drivers can protect themselves from this situation is to ask their insurance provider about uninsured motorist coverage, and then add it to their policy. This kind of coverage is not required by law, but when there is an accident and the victim needs compensation, their own provider can pay out compensation even if the other driver had no coverage. 

Lawsuits against drivers

The main reason that auto insurance exists is that lawsuits often follow car accidents. Victims have the right to make the person responsible for an accident pay for their medical treatment, lost wages, and other types of damage. It is helpful for anyone who has been hurt to consult with a lawyer to learn more about this process and the potential to receive compensation. 

Information about lawsuits from a local lawyer in Louisiana

Miller, Hampton, and Hilgendorf is a firm that helps people with accident lawsuits in Fred and other cities in Louisiana. Their attorneys can provide advice about bringing a civil case during the course of a consultation.

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806



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