Louisiana State Car Insurance Information

General Louisiana Insurance Guidelines

The State of Louisiana currently requires that all drivers be covered under liability insurance with coverage level based on the weight of their vehicle. Proof of insurance must always be accessible in the vehicle. Louisiana drivers are required to show their insurance info when stopped for a traffic violation.

Minimum Liability Coverage in Louisiana

The State of Louisiana minimum liability amounts are as follows:
  • $10,000 bodily injury per person.
  • $20,000 total bodily injury per accident.
  • $10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Penalties for Driving without Insurance

The penalties for driving without insurance in Louisiana are:
  • Plates taken and 3 days to present proof to OMV
  • If cannot, plates destroyed and need to re-register vehicle

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Louisiana does not require UM/UIM coverage.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Louisiana is not a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Louisiana does not require drivers to purchase PIP insurance.

SR-22 Requirements for Louisiana

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Louisiana requires an SR-22 filing for driver’s license reinstatement.

Louisiana DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Louisiana are:
  • Up to 6 months imprisonment
  • $1000 fine
  • 90 day license suspension
  • 6 month license suspension of driver under 21

Additional Information on Insurance for Louisiana

For more information, please contact Louisiana Department of Insurance: 1-800-259-5300 or visit their website at www.ldi.state.la.us/.

Kentucky State Car Insurance Information

General Kentucky Insurance Guidelines

The State of Kentucky currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle. Kentucky drivers are required to show their insurance info when stopped for a traffic violation or when registering a vehicle.

Minimum Liability Coverage in Kentucky

The State of Kentucky minimum liability amounts are as follows:
  • $25,000 bodily injury per person.
  • $50,000 total bodily injury per accident.
  • $10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Penalties for Driving without Insurance

The penalties for driving without insurance in Kentucky are:
  • Registration revoked
  • If caught driving, $500-$1000 fine and 90 days in jail, or both, plus suspension of plates
  • Put in "high-risk" category by insurance company and premiums may go up

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Kentucky does not require UM/UIM coverage.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Kentucky is a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Kentucky requires drivers to purchase PIP insurance. The minimum PIP coverage amounts for Kentucky are

SR-22 Requirements for Kentucky

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Kentucky does not require an SR-22 filing for driver’s license reinstatement.

Kentucky DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Kentucky are:
  • Imprisoned up to 6 months
  • $500 - $1,500 fine
  • Mandatory 4 day imprisonment for aggravated DUI
  • 30 - 120 day license suspension
  • 90 day alcohol or drug treatment program
  • 48 hrs to 30 days community service

Additional Information on Insurance for Kentucky

For more information, please contact Kentucky Department of Insurance: 1-502-564-3630 or visit their website at www.insurance.ky.gov.

Kansas State Car Insurance Information

General Kansas Insurance Guidelines

The State of Kansas currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle.

Minimum Liability Coverage in Kansas

The State of Kansas minimum liability amounts are as follows:
  • $25,000 bodily injury per person.
  • $50,000 total bodily injury per accident.
  • $10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Kansas requires UM/UIM coverage. The minimum UM/UIM coverage amounts for Kansas are $25,000 per person and $50,000 per accident minimum.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Kansas is a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Kansas requires drivers to purchase PIP insurance. The minimum PIP coverage amounts for Kansas are <ul><li>$4,500 medical expenses per person</li><li>$900 lost income per month for 1 yr</li><li>$25 for in-home services per day</li><li>$2,000 for funeral, burial or cremation expenses</li><li>$4,500 for rehab expenses</li><li>Survivor Benefits: Disability/loss of income up to $900/month for 1 yr</li><li>In-home services up to $25/day for 1 yr</li></ul>

SR-22 Requirements for Kansas

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Kansas requires an SR-22 filing for driver’s license reinstatement.

Kansas DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Kansas are:
  • Minimum 2 days imprisonment or 100 hrs community service
  • $500 - $1,000 fine
  • 30 day license suspension
  • 330 day license restriction after suspension
  • Possible vehicle impoundment up to 1 yr
  • Possible court-ordered treatment possible

Additional Information on Insurance for Kansas

For more information, please contact Kansas Insurance Department: 1-785-296-3071 or visit their website at www.kinsurance.org.

Indiana State Car Insurance Information

General Indiana Insurance Guidelines

The State of Indiana currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle. Indiana drivers are required to show their insurance info when involved in an accident. If the insurance company doesn't provide proof after the accident, the driver has 40 days to have an agent complete and submit a certificate to the BMV.

Minimum Liability Coverage in Indiana

The State of Indiana minimum liability amounts are as follows:
  • $25,000 bodily injury per person.
  • $50,000 total bodily injury per accident.
  • $10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Indiana requires UM/UIM coverage. The minimum UM/UIM coverage amounts for Indiana are $50,000 minimum.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Indiana is not a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Indiana does not require drivers to purchase PIP insurance.

SR-22 Requirements for Indiana

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Indiana requires an SR-22 filing for driver’s license reinstatement.

Indiana DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Indiana are:
  • 30 - 60 days imprisonment or up to 1 yr if BAC >= 0.15%
  • Up to $500 or up to $5000 if BAC >= 0.15%
  • Up to 2 yr license suspension
  • Possible ignition interlock device
  • Possible community service
  • Possible attendance to a victim impact panel
  • Possible substance abuse education
  • Possible urine testing

Additional Information on Insurance for Indiana

For more information, please contact Indiana Department of Insurance: 1-800-622-4461 or visit their website at www.in.gov/idoi/.

Illinois State Car Insurance Information

General Illinois Insurance Guidelines

The State of Illinois currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle.

Minimum Liability Coverage in Illinois

The State of Illinois minimum liability amounts are as follows:
  • $20,000 bodily injury per person.
  • $40,000 total bodily injury per accident.
  • $15,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Penalties for Driving without Insurance

The penalties for driving without insurance in Illinois are:
  • $500 minimum fine
  • $1,000 for driving with suspended registration

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Illinois requires UM/UIM coverage.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Illinois is not a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Illinois does not require drivers to purchase PIP insurance.

SR-22 Requirements for Illinois

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Illinois does not require an SR-22 filing for driver’s license reinstatement.

Illinois DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Illinois are:
  • Up to 1 yr imprisonment, + 6 months if child under 16 in vehicle
  • Fine up to $2,500, additional $500+ if BAC is 0.16% +, additional $1000+ if child under 16 in vehicle
  • 1 yr minimum license suspension
  • Ignition interlock device possible
  • Vehicle registration suspension
  • 100 hrs minimum community service if BAC 0.16% +
  • 25 days community service if child under 16 in vehicle

Additional Information on Insurance for Illinois

For more information, please contact Illinois Department of Insurance: 1-866-445-5364 or visit their website at www.insurance.illinois.gov.

Idaho State Car Insurance Information

General Idaho Insurance Guidelines

The State of Idaho currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle.

Minimum Liability Coverage in Idaho

The State of Idaho minimum liability amounts are as follows:
  • $25,000 bodily injury per person.
  • $50,000 total bodily injury per accident.
  • $15,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Idaho does not require UM/UIM coverage.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Idaho is not a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Idaho does not require drivers to purchase PIP insurance.

SR-22 Requirements for Idaho

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Idaho requires an SR-22 filing for driver’s license reinstatement.

Idaho DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Idaho are:
  • Up to 6 months imprisonment
  • Up to $1,000 fine
  • 90 - 180 days license suspension
  • Restricted license possible after 30 days
  • Alcohol evaluation and treatment possible

Additional Information on Insurance for Idaho

For more information, please contact Idaho Department of Insurance: 1-208-334-4250 or visit their website at www.doi.idaho.gov/.

Iowa State Car Insurance Information

General Iowa Insurance Guidelines

The State of Iowa currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle. Iowa drivers are required to show their insurance info when involved in an accident. A report must be filed with the Office of Driver Services within 72 hrs if there were injuries or damage was over $1000.

Minimum Liability Coverage in Iowa

The State of Iowa minimum liability amounts are as follows:
  • $20,000 bodily injury per person.
  • $40,000 total bodily injury per accident.
  • $15,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Iowa does not require UM/UIM coverage.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Iowa is not a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Iowa does not require drivers to purchase PIP insurance.

SR-22 Requirements for Iowa

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Iowa requires an SR-22 filing for driver’s license reinstatement.

Iowa DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Iowa are:
  • Minimum 2 days to 1 yr imprisonment
  • $625 - $1,250 fine
  • 180 day license suspension
  • Restricted license possible if BAC under 0.10%, not if 0.10% and above
  • Ignition interlock device required if BAC is 0.10% +
  • Possible substance abuse evaluation and treatment
  • Possible substance abuse reality program
  • Possible attendance to drinking drivers course
  • Possible community service

Additional Information on Insurance for Iowa

For more information, please contact Iowa Insurance Division: 1-877-955-1212 or visit their website at www.iid.state.ia.us/.
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