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What Happens If Pulled Over Without Insurance

What Happens If Pulled Over Without Insurance

 What Happens If Pulled Over Without Insurance - Written by Mary Van Keuren Written by Mary Van Keuren Arrow Right Contributor, Insurance Mary Van Keuren has written for insurance domains such as, Coverage.com and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Before that, she worked as a writer in academia for several decades. Connect with Mary Van Keuren on LinkedIn LinkedIn Get in touch with Mary Van Keuren by email Mary Van Keuren

Edited by Mariah Posey Edited by Mariah PoseyArrow Rights Editor, Insurance Mariah Posey is an auto and homeowners insurance writer and editor for. She aims to make the insurance journey as comfortable as possible by keeping the reader at the forefront of her mind in her work. Connect with Mariah Posey on Twitter Twitter Connect with Mariah Posey on LinkedIn LinkedIn Get in touch with Mariah Posey via email Mariah Posey

What Happens If Pulled Over Without Insurance

What Happens If Pulled Over Without Insurance

At , we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strictly

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What Happens If Pulled Over Without Insurance

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Driving without car insurance in Louisiana can result in some serious financial penalties. If you're stopped by the police and you can't show proof of insurance or if you're involved in an accident, you could risk license suspension and a financial hit. Learn Louisiana's car insurance requirements so you can make sure you have the best car insurance for your needs.

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What Happens If Pulled Over Without Insurance

Costs will continue to rise until 2022. Shop around for a better rate before renewing your current policy.

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Louisiana car insurance laws require a minimum of 15/30/25 liability coverage. This coverage means you have the following protection while behind the wheel:

Although this is the minimum amount of coverage drivers in Louisiana are required to have, getting more coverage, such as higher liability limits or adding optional coverage, may provide even better financial protection in the event of an accident.

If you do not have a policy with coverage that at least meets the minimums required in Louisiana, you may have several consequences, as outlined by Louisiana law.

First, you will be required to pay a fine of anywhere between $500-$1,000. You may also receive a fine if you have insurance but do not carry proof of it while driving.

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In addition to the fine, you may have your driving privileges revoked. Your vehicle may be impounded and license plates cancelled. If you are in an accident without insurance, your license will be suspended and registration revoked for 180 days. You may even lose your driving privileges for 12-18 months if you falsely claim to have insurance. You will also have to pay fees to have your license reinstated, and, if necessary, storage fees for your impounded vehicle.

If you are in an accident that is not your fault, you may also be in financial trouble, due to a law known as the "No Pay, No Play" law. The law states that uninsured drivers cannot collect the first $25,000 for property damage and $15,000 for personal injury damages regardless of who caused the accident. These costs would have to come from your pocket, even if you were the victim of another driver's poor choices.

Louisiana instituted an online insurance verification system in 2016 to address the problem of uninsured drivers, who make up an estimated 11.7% of the state's drivers. The system allows police officers to check the policy status of a driver from their vehicle while they are at a traffic stop.

What Happens If Pulled Over Without Insurance

In Louisiana, driving without insurance in an accident can leave you in a financial bind. If you are at fault in the accident, you will be legally required to pay all the costs that the other driver incurred, whether this includes medical expenses, a totaled car or damage to a stationary object. This is in addition to your own expenses from the accident.

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If you are not at fault in an accident and you are driving uninsured, Louisiana's "No Pay, No Play" law means that you will still face financial consequences. The other driver's auto insurance cannot be applied to the first $15,000 of your personal injury costs and the first $25,000 of property damage costs. The amounts will need to be

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