This is how liability insurance protects drivers in Donaldsonville

Donaldsonville, LA – Drivers in Louisiana are required to carry liability insurance to drive on the state’s roads. This type of coverage is meant to protect a driver from having to pay losses out of their own money if there is a collision where they are at fault. Liability policies generally contain several thousand dollars of coverage for things like property damage and injuries caused by the driver. Having auto insurance coverage is important as many drivers would be unable to afford these sudden expenses if they were sued, and there are penalties for drivers who are caught on the roads without proper insurance. 

Motor vehicle accident attorneys near me can provide more information about these matters. 

Louisiana insurance requirements

All drivers in the state must have at least $15,000 worth of coverage for bodily injury or fatalities involving one person, up to $30,000 in coverage for all people who are injured or killed in an accident, and at least $25,000 in coverage for any property damage caused during the collision. It is possible that a driver can purchase a policy with more comprehensive coverage against other kinds of damage through their provider, although this is not required by law. Drivers are also eligible to purchase a policy that covers all costs associated with damage caused by an uninsured driver during an accident if they choose to do so. 

Additional insurance

Things like insurance that covers collision damage to the driver’s vehicle or insurance that covers cars that are vandalized or damaged due to reasons aside from accidents may be a good investment for some drivers. However, only liability insurance protects the driver from being personally responsible for the costs of any damage that the cause during collisions. 

Insurance settlements

Once a driver is sued, it is likely that the insurance companies of the drivers involved and their lawyers will try to reach a settlement agreement. This is done to avoid the expenses and risks of going to trial. In most cases, the settlement should cover costs related to the victim’s medical costs, career losses and lost income, and non-economic damages for pain and suffering. These costs will increase if the person was seriously hurt or permanently disabled. The significance of liability insurance is that it allows the driver to avoid personal financial problems due to a motor vehicle crash. It is also difficult for most drivers to cover these amounts without insurance. 

Accident lawyers in Louisiana

Miller, Hampton, and Hilgendorf is a firm that works with accident victims in the area of Donaldsonville and other parts of Louisiana. People who need legal advice can contact the firm to get specific advice that is relevant to their situation.

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806