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@lynsdeyblack12 The minimum legal limits in Louisiana are very low. If you total a new car, or two used cars, you're probably going to hit that limit quickly even if there are no injuries. That does not mean they're going to max out your policy over a fender bender. 🙄

@lynsdeyblack12 I'm a ride-share driver in New Orleans and I get hit about every year and a half. I can assure you they do not simply pay out the policy limit for every fender bender. 🙄 Insurance is expensive in this state because 1. A lot of people don't carry insurance and 2. We have a lot of...