Tourism remains a vital part of Louisiana’s economy, so it’s not uncommon to encounter drivers from out of state as you’re traveling to your destination. If one of these out-of-state drivers causes a car accident, however, you may be left with questions about how to manage your claim.
Coverage Depends on the Location of the Accident
Most insurance policies sold within the United States cover drivers throughout the U.S. and into Canada, so the driver who hit you shouldn’t encounter any trouble reporting the claim.
The required minimum coverage for a car accident depends on where it occurred and not the driver’s state of residency. The Louisiana minimum level of insurance is:
- Bodily injury coverage in the amount of $15,000 per person
- Bodily injury coverage for a total of $30,000 per accident for all injured parties
- Property damage coverage in the amount of $25,000
Some, but not all, car insurance companies will adjust coverage levels to meet state minimums. However, if you are hit by a driver with an insurer who doesn’t adjust the coverage, you could still pursue a claim under your own uninsured/underinsured motorist policy.
Since Louisiana falls on the lower end for required minimum car insurance, there is a good chance the out-of-state driver who hit you may have more coverage than the Louisiana minimum.
Lawsuits Are Filed in the Jurisdiction Where the Accident Occurred
If you need to file a lawsuit to seek compensation for accident-related expenses, your claim will be filed in the jurisdiction where the accident occurred—not where the at-fault driver lives. Your attorney will handle all communication with the other driver’s insurance company, so there is no need to worry about being forced to travel or take time out of your schedule to prepare for a trial.
Have You Been Injured In A Louisiana Car Accident?
If you've been hurt in a car accident you need to speak with an experienced car accident attorney as soon as possible. Please contact us online or call our Alexandria office directly at 318.541.8188 to schedule your free consultation.