Auto insurance in Covington, LA, can help cover medical expenses and property damage resulting from an accident. How the fault system works in accidents typically depends on the state where the accident occurs. Louisiana operates as an at-fault state.
No-Fault States
No-fault accidents occur in states that follow no-fault laws. In these states, every driver is required to carry Personal Injury Protection (PIP), which covers their medical bills and property damage. However, this does not apply in Louisiana, as the police assign fault to one party in an accident.
At-Fault Party
When the police investigate an accident scene and determine one party is at fault, that party is responsible for covering medical bills and property damage. If the at-fault party does not have sufficient coverage, underinsured motorist coverage may help pay for damages. An agent at Soto Insurance Agency can provide more information about this type of coverage.
Comparative Fault
Louisiana also uses a comparative fault system, which applies when both parties share responsibility for an accident. In this system, each driver is assigned a percentage of fault, with the total equaling 100%. For example, one driver may be 40% responsible, while the other is 60% responsible.
If you are found to be 60% responsible, you are liable for 60% of the damages and associated costs. Similarly, the driver who is 40% responsible may be required to cover a portion of their property damage and medical expenses, as they were partially at fault.
Understanding how this system works is crucial to ensuring you have adequate coverage. Agents at Soto Insurance Agency can help you learn more. Contact us today. We proudly serve the Covington, LA, area.
