Auto Liability Insurance Coverage in Louisiana

What Louisiana Law Requires

Louisiana mandates a minimum of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. These limits are the baseline that every policy must meet or exceed.

Bodily Injury Liability

Coverage pays for medical expenses, lost wages, and pain and suffering when you cause injury to another driver or a pedestrian. It does not cover your own injuries; that falls under personal injury protection or uninsured/underinsured motorist coverage.

Property Damage Liability

When your vehicle damages someone else's car, bike, or property, liability insurance pays repair or replacement costs up to the stated limit. It excludes damage to your own vehicle.

Collision and Comprehensive Exclusions

These are separate policies. Liability only addresses damages you impose on others, not losses you sustain from accidents, theft, or weather events.

Uninsured & Underinsured Motorist Protection

Louisiana offers optional coverage that steps in if the at‑fault driver lacks sufficient insurance. This protects against gaps in the other party's liability limits.

Limits and Endorsements

Drivers can opt for higher limits (e.g., $100,000/ $300,000/ $100,000) or add endorsements for medical payments, towing, or rental reimbursement, which expand coverage beyond the statutory minimums.

Claims Process in Louisiana

File a claim with your insurer within 30 days of an incident. The insurer will investigate, assess damages, and negotiate settlements based on the policy limits and state regulations.

Key Takeaway

Louisiana auto liability insurance covers injuries and property damage you cause to others, bounded by statutory limits. Enhancing limits or adding endorsements can provide broader protection for your own financial security.