Car Accidents In Louisiana
If you are involved in a car accident in Louisiana, it’s important to know that the state follows a “fault” system. This means that the driver who caused the accident is financially responsible for any damages or injuries that result from the accident. If you are not at fault for the accident, then you may be able to recover damages from the other driver.
If you wish to sue for damages, you will need to file a personal injury lawsuit. The statute of limitations for personal injury cases in Louisiana is one (1) year from the date of the accident. This means that you have one (1) year from the date of the accident to file a lawsuit for injuries sustained from the accident. If you do not file a lawsuit within this time period, you will most likely be barred from suing for damages related to the accident.
It is important to note that Louisiana has a “comparative fault” system and a “direct action” system. This allows you to sue the other driver’s insurance company directly, rather than suing the driver and then seeking reimbursement from the insurance company. This can be a useful option if the other drive does not have sufficient assets to cover the damages, allowing you to make a claim in your underinsured motorist coverage.
Underinsured And Uninsured Motorist Protection In Louisiana
Underinsured and Uninsured Motorist Protection is probably the most important provision in your own car insurance policy. Make sure that your policy provides this coverage before travelling to Louisiana. If you are involved in an accident involving a car driver who caused the accident and is inadequately insured, your own car insurance company will step in and make up any financial shortfall (subject to certain limitations).
In Louisiana, car insurance is required, but the minimum coverage limits are quite low. They are as follows:
- $15,000 for injury or death of one person in an accident
- $30,000 for injury or death of two or more people in an accident
- $25,000 for property damage in an accident
Cross-border car accidents are very complicated. Each state and province has different rules that apply to car accidents. That’s where Snowbird Accidents comes in!
