If you are like most people in Louisiana, you probably do your best to stay safe on the roads. You keep your vehicle well-maintained, follow traffic laws and carry appropriate liability insurance. The sad truth is that not everyone is as responsible. There are a small but significant portion of the population who drive their vehicles without active liability insurance.
Depending on the terms of your own car insurance policy, getting into a wreck with someone who doesn't have insurance could leave you vulnerable. In fact, getting into an accident with someone who has just the bare minimum amount of insurance required under Louisiana law could also cause you financial difficulties in the future.
Louisiana requires car insurance to protect drivers from liability
The financial consequences of a serious car crash can be tens or even hundreds of thousands of dollars. One mistake at the wheel could cause a crash that claims several lives or causes debilitating injuries to a number of individuals. Louisiana drivers have to carry at least $15,000 worth of bodily injury for one person, $30,000 worth of injury insurance per accident and $25,000 of coverage for property damage.
You likely have that coverage in your policy, or you may even have higher coverage amounts than that. However, no matter how thorough your own insurance policy is, if you don't have protection from uninsured drivers, you may not have insurance coverage in the event of a crash caused by someone else.
How likely is an uninsured driver to cause a crash?
In Louisiana, you have a higher risk of encountering an unisured driver than in many other states. In a study conducted in 2015, about 13 precent of Louisiana drivers didn't have an active insurance policy. While it isn't as high as in many states, that rate of unisured drivers basically guaruntees that you cross paths with several uninsured drivers every time you are on the road.
There's no way of knowing how much risk for a crash another driver carries. However, given the better than one out of 10 odds that a driver who causes a crash won't have insurance, it makes sense to protect yourself against this potential problem.
Review and potentially expand your insurance policy
The best way to mitigate the risk created by uninsured drivers on Louisiana roadways is to review your insurance policy for uninsured and underinsured driver coverage. This extra coverage will protect you from incurring financial liability if you get hurt or suffer serious property damage in a crash caused by a driver with inadequate liability insurance.
If you already have that kind of coverage, knowing that it's there can provide peace of mind. If you don't, it only takes a few minutes to change that fact.