Out of the 50 states, 48 require some kind of minimum liability auto insurance coverage as a condition of driving an automobile on the state’s highways. Minimum coverage requirements among the various states vary greatly.
In Louisiana, minimum liability limits are $15,000 for each injured person, up to $30,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 15/30/25 coverage.
In Texas, the minimum liability limits are currently $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. Short hand notation for this coverage is 30/60/25.
There is another important distinction between Louisiana and Texas automobile insurance requirements. In Louisiana, uninsured/under insured motorist coverage is automatically required with each auto liability policy unless it is specifically waived by the insured. Absent a properly executed waiver, UM/UIM coverage in Louisiana is automatically provided. This is true, even if no insurance premium was ever paid for this coverage.
In Texas, UM/UIM coverage is considered an additional, optional coverage. In Texas, this coverage carries an automatic $250.00 deductible.
Because minimum liability coverage in Louisiana is so low, Broussard & Hart highly recommends carrying UM/UIM coverage. This coverage is not expensive in comparison to liability coverage rates. This coverage is for your protection in the event you are not at fault in causing an automobile crash and the at-fault party is either uninsured or under insured.
In Louisiana, the estimated percentage of uninsured motorists is 13.9% -well above the national average. Louisiana is ranked 16th in the nation for the percentage of uninsured drivers. Oklahoma is number one, with 25.9% (over 1 in 4) of its drivers uninsured.