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Louisiana Insurance Laws and Regulations
The Louisiana Department Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about auto and home insurance. If you do not receive the service you expect from an insurer, you can file a complaint directly with the Department of Insurance. The state of Louisiana does not publish insurance company complaint information for consumers to use when making insurance purchase decisions.
The insurance commissioner in the state of Louisiana is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.
A summary of the driving safety laws for the state of Louisiana can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Louisiana.
The Louisiana Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.
State law in LA allows for hurricane, named storm and wind/hail deductibles. Homeowners that retrofit their home to meet current building standards are eligible for discounts on their insurance premium. In the coastal areas most homeowners coverage is provided by the Louisiana Citizens Property Insurance Company.
Louisiana has minimum auto insurance amounts that are required by law. The table below shows the LA minimum car insurance limits.
Minimum Car Insurance Coverage Required in Louisiana
|Bodily Injury, per person||15,000|
|Bodily Injury, per accident||30,000|
Resources Available to Consumers
The Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.
The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.