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SR22 Insurance, also known as Certificate of Financial Responsibility, is used as a means of monitoring the insurance of any risky driver. It also serves as a protection to other drivers and residents against them. If you are required to maintain your car insurance as mandated by the law, you must file SR22 as an evidence of doing so.
When is it mandated for you to get Louisiana SR22 Insurance?
The SR22 is required if you had any problems with driving safety. For example, you might have been an uninsured driver who is part of any accident; and consequently, you became amiss on the fees that you needed to pay because of the accident.
You are certainly mandated to get Louisiana SR22 if your driver license has been revoked.
If you are placed under mandatory insurance supervisions, you need to produce SR22 Insurance.
Too many points on your license can lead to SR22 Insurance
The state accepts SR22 obtained from another state as long as the insurer will certify in writing that it has met Louisiana insurance requirements. Likewise, if you are required to file SR22 form in the state, it is a must that it is issued by a licensed insurer.
In case you do not want to buy SR22, there is another option; however, it can be expensive. Instead of SR22, you can deposit $30,000 to $50,000 in a form of security cash with the State Treasurer. You may also file surety or real estate bond, which can be processed through the court.
Auto Insurance Requirements in Louisiana
In Louisiana, most types of vehicles are mandated to carry liability insurance. The only ones not required to possess liability insurance are cars owned by the state, parade cars, and buses under the ownership of Louisiana cities.
If you are a driver on Louisiana, you must present proof of insurance if requested upon by an officer. What do you need to show? You must have with you at all times the Identification Card issued by the insurer and as well as a written statement from your insurer.
Minimum Liability Insurance Coverage is the following:
- $15,000 for every individual in an accident
- $30,000 for every accident for injury or death
- $25,000 for any damage to property
Uninsured/Underinsured – Optional Coverage
In Louisiana, you are not mandated to obtain Uninsured/Underinsured Motorist Coverage since they are considered to be optional insurance coverage. Still, many insurance experts and professionals advise drivers to obtain UM/UIM coverage for more protection.
For one thing, it pays ample benefits to you as a policyholder. For instance, if your car is hit by another driver who possesses no insurance, or insufficient insurance to meet the total amount of your injuries, this coverage will pay for any damage. Any injury that you or other occupants of your car suffer because of an accident that another driver caused is covered under this policy.
Louisiana DUI laws
Louisiana Blood Alcohol Content (BAC) Level
In Louisiana, it is a criminal offense to drive a car of your blood alcohol content (BAC) level is at least 0.08%. If you are a minor, you commit DUI if your BAC is 0.02%. On the other hand, if you are a commercial vehicle driver, you have committed DUI offense if you have a BAC level of at least 0.04%. Sentence becomes stiffer if your DUI case involves a BAC level of 0.15 % or even higher.
Needless to say, Louisiana DUI offenses are serious crimes. In fact, you can end up facing a prison time of 180 days in your first offense, while losing your driver’s license for 90 days. Apart from permanently having a criminal record to your name, you will also pay more than $1000 as payment for fines and all other court expenses. In case you are a minor when you committed this offense, you might end up losing your privilege to drive for 180 days.
Penalties for DUI offense
First-time DUI offender in Louisiana faces the following penalties:
- Criminal record
- Fines of $1,000 or more, including court costs
- Up to 180 days in jail
- Suspension of driver’s license for 90 days
If you commit DUI offense for the second time, you will spend a minimum of two days in prison or a maximum of 180 days. You will pay a fine of $1,000. You will surrender your license for a maximum of one year. You must pay court expenses involved in the prosecution of your case.
A third-time, drunk-driving conviction in Louisiana is a felony. Apart from having a felony criminal record, you must face jail time of 45 days to 5 years. You will be fined up to $2,000 including court costs. You will give up your car and driver’s license for 2 years. Finally, you must attend a substance abuse program, consisting of 1 month and 1 year of inpatient and outpatient treatment, respectively.
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