![]() by filing a third-party claim directly with the at-fault driver’s insurance carrier, or. ![]() by filing a claim with his or her own insurance company, assuming that the loss is covered under the policy (in this situation, the injured person's insurance company will likely turn around and pursue a subrogation claim against the at-fault driver’s carrier).In Louisiana, a person who suffers any kind of injury or damage due to an auto accident usually can proceed in one of three ways: This means that the person who was at fault for causing the car accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver’s insurance carrier will absorb these losses, up to policy limits). Louisiana follows a traditional "fault"-based system when it comes to financial responsibility for losses stemming from a car accident: injuries, lost income, vehicle damage, and so on. Louisiana is a "Fault" Car Accident State Good only for AD Military who are stationed in Louisiana and not a resident of Louisiana. Please get with your insurance company about the 25% discount you should receive on your auto insurance. Read on for the details of Louisiana's auto insurance rules and how coverage is likely to affect a car accident case. ![]() Louisiana, like most states, requires vehicle owners to maintain liability insurance in line with minimums set by law. In Louisiana, as in every state, car insurance is sure to play a big part in any claim brought after a traffic accident.
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