Insurance Requirements Flashcards

What must a Louisiana driver do if they are involved in an accident with an uninsured driver?

Answer: File a claim with their own uninsured motorist coverage if they have it

If involved in an accident with an uninsured driver in Louisiana, a driver with uninsured motorist coverage should file a claim with their own insurer.

What happens to a Louisiana driver's registration if their insurance is cancelled?

Answer: The OMV may suspend the vehicle's registration

When a Louisiana driver's insurance is cancelled, the OMV's electronic verification system may detect the lapse and suspend the vehicle's registration.

What does Louisiana's 'No Pay, No Play' law mean?

Answer: Uninsured drivers cannot sue for non-economic damages from accidents

Louisiana's 'No Pay, No Play' law limits the ability of uninsured drivers to recover non-economic damages such as pain and suffering from insured at-fault drivers.

How long must a Louisiana driver with an SR-22 requirement maintain the filing?

Answer: 3 years

Louisiana typically requires drivers with an SR-22 filing to maintain it for 3 years following certain serious traffic violations.

What is 'medical payments coverage' (MedPay) in a Louisiana auto insurance policy?

Answer: Coverage that pays medical expenses for you and your passengers regardless of fault

Medical payments coverage (MedPay) in Louisiana pays for medical expenses incurred by you and your passengers after an accident, regardless of who was at fault.

What should a Louisiana driver do immediately after being involved in a car accident?

Answer: Stop, check for injuries, call 911 if needed, and exchange insurance information

Louisiana law requires drivers involved in an accident to stop, render aid if needed, call 911 for injuries, and exchange insurance and contact information with the other party.