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Car insurance after an at-fault collision in Louisiana In Louisiana, the mean insurance rate following an at-fault crash is $3,138, versus the national average of $2,012. A serious accident like an at-fault crash can stay on your insurance record for as long as three years!
The easiest way to file a complaint is online at .ldi.la.gov. You can also print out a paper complaint form from the website or obtain a copy by calling 1-800- 259-5300.
When it comes to traffic collisions, Louisiana is not a no-fault state. Instead, it is a ?tort? state, which means victims need to prove the other driver caused their crash and hold them responsible to recover money damages.
How to File a Car Crash Report in Louisiana: If you are involved in an accident meeting the above conditions, you must file an accident report with a local police station and forward that report to the Louisiana DPSC within 24 hours of the accident.
Typically, the at-fault driver's insurance is responsible for compensating the injured party's losses, but if the driver lacks insurance, the injured party might need to rely on their own insurance policy. If they carry uninsured/underinsured motorist coverage, it might serve to cover their expenses.
In Louisiana, there is a ?No Pay, No Play? law that limits how much a victim can claim from the other driver's insurance if they themselves are uninsured at the time of the accident.
Insurance companies have 30 days to settle claims in Louisiana after they have received satisfactory proof of loss. They are also required to start the process of investigating a claim 14 days after receiving this proof of loss.
Failure to report an accident as required in R.S. 1 shall be punished by a fine not in excess of twenty-five dollars, and in the event of injury or damage to the person or property of another in such accident, the commissioner shall suspend the license of the person failing to make such report, or the non- ...