SR-22 in Louisiana is a certificate of insurance filed by an insurance company with the Office of Motor Vehicles (OMV) that simply confirms that an individual has “proof of future financial responsibility” or: proof of sufficient insurance coverage or a sufficient bond or cash deposit with the state ($30,000) in the event that he causes an accident.

A person may be required to provide an SR-22 certificate to the OMV after a judgment has been obtained against them for an accident, after a conviction for driving while intoxicated, or after first refusal to submit to a chemical test for an arrest for driving while intoxicated.

For any of these reasons, SR-22 will need to be maintained for three years.

If you or someone you know is unsure whether you are required to provide an SR-22 certificate of insurance to the OMV, call our office to set up a consultation: (318) 459-9111.

Most states require that, before being allowed to operate a motor vehicle on its roads, a driver purchase a certain amount of motor vehicle insurance. This is commonly known as compulsory motor vehicle insurance or compulsory MVI.

Louisiana is no different.

Louisiana Revised Statutes Title 32, Section 861 requires that every “self-propelled motor vehicle” registered in Louisiana maintain a policy of motor vehicle liability insurance with limits as defined by “R.S. 32:900(B)(2) or (M)”. Failure to maintain the required insurance policy can result in the revocation of the vehicle’s registration, impounding of the vehicle, and cancellation of the vehicle’s plates, fines and imprisonment.

Louisiana Revised Statutes Title 32, Section 900, establishes the required minimum limits for insurance in Louisiana. A liability insurance policy in Louisiana must include a minimum of $15,000 in bodily injury or death limits per person, with a total $30,000 limit per accident. Each policy must also include $25,000 in damage or destruction of property limits.

Any individual operating a motor vehicle without compulsory motor vehicle insurance who is involved in an accident is prohibited from recovering the first $15,000 of any bodily injury damages sustained in the accident and the first $25,000 of any property damages sustained in the accident, regardless of fault. (La. R.S. 32:866).

If you or someone you know has been involved in an accident and has questions about what to do next, give us a call at (318) 459-9111.