Yes, all riders in the Pelican State must carry liability insurance with at least the following limits:
- $10,000 bodily injury per person
- $20,000 bodily injury per incident
- $10,000 property damage per incident
In an at-fault accident, liability kicks in to help cover others' injury or property damage costs. For instance, with the minimum coverage amounts on your policy, your insurance would cover up to $10,000 worth of repairs if you caused a collision with another vehicle, and up to $10,000 of injury treatment if the other driver was hurt.
For better peace of mind, remember you always have the choice of selecting higher limits than just the bare minimum.