With the common use of smart phones today, texting and driving has become a serious danger on Louisiana roads and highways. Recently, researchers from Texas A&M and the University of Houston reached some disturbing conclusions as to just how dangerous it is.
Louisiana motorists are generally required to maintain liability insurance on their vehicles. The main purpose of liability insurance is to pay damages on behalf of the insured party in the event someone is injured by the negligent operation of the vehicle. Under state law, each vehicle must carry liability coverage of at least $15,000 per person injured or killed, and at least $30,000 per accident if two or more people are injured or killed.
The almost universal ownership of smartphones has greatly increased the problem of distracted driving. Texting and driving, in particular, has become a serious problem in Louisiana and around the country.