Liability Requirements

• Louisiana law dictates drivers must maintain at least $10,000 worth of coverage for injury to one person and $20,000 to cover injury to two or more people. Lastly, a policy must have at least $10,000 for property damage.
  
  

Automobile Insurance Plan

• Some high-risk drivers, such as those with many accidents or driving-related criminal convictions such as a DUI, might find carriers unwilling to voluntarily write a policy for them. The state has established the Automobile Insurance Plan, which helps these drivers obtain an insurance plan through a licensed carrier in the state. In order to obtain this insurance, the driver must request an application through any licensed insurance carrier in the state of Louisiana. The applicant must attest that he was unable to obtain a policy within the previous 60 days before the date of applying.
  
  The insurance company will forward the application to the Automobile Insurance Plan Office, which will review the application and assign the driver to an insurance company that will then issue a policy. The carrier must provide insurance for at least three years. After three years, the driver must reapply to the program if he still cannot find a voluntary policy. The current carrier can also opt to keep insuring the driver.
  
  

Cancellation and Non-Renewal

• Once a policy has been in effect for at least 60 days, state law only permits cancellation in specific instances. The same instances apply to the decision to not renew. Failure to pay a premium can result in cancellation, but the carrier must provide at least ten days' notice. All other violations, such as filing a fraudulent claim or a license suspension or revocation, require 30 days' notice of cancellation or non-renewal.
  
  

Driving Without Insurance

• If a police officer stops a vehicle and the driver does not have insurance, Louisiana law permits immediate seizure of the vehicle or removal of license plates along with placement of a yellow sticker indicating the car does not have insurance. The driver will have to provide proof of insurance in order to get the vehicle back. Fines for a first offense can range from $75 to $100 and up to $700 and beyond for subsequent offenses.
  
  

No Pay No Play

• The "No Pay No Play" law prohibits uninsured motorists from collecting the first $10,000 of property damage or $10,000 of injury payouts from the other driver's policy.