In Louisiana, auto insurance checkpoints will probably have to be announced ahead of time by police departments. According to “La. wants public advance notice for insurance checkpoints,” Charles Nguyen of Online Auto Insurance says that HB 713 is moving onto the state House after passing through the Committee on Transportation, Highways, and Public Works. This proposal would make police announce any checkpoints on a local news or radio broadcast, as well as transferring all of the same guidelines for current checkpoints to Louisiana auto insurance checkpoints.
Current checkpoints are used to look for those driving under the influence, make sure drivers are wearing seatbelts and have registered, insured vehicles. Police need to use signs and flares as well as public notifications of their checkpoints. They also have to have a non-field officer submit paperwork for the times, location, and duration of any checkpoints. Police are required to perform all checkpoints in a timely manner so that no one has their time wasted. They also have to use some type of system for stopping motorists, rather than stopping them at random.
As Louisiana police check more for auto insurance policies for drivers, lawmakers and insurance companies hope that the state will have fewer uninsured motorists. They already have a policy called “no pay, no play.” Motorists who don’t carry their own auto insurance policies cannot get payment for the first $15,000 of bodily injury or $25,000 of property damages, even if they were not at fault. It really does pay to have auto insurance coverage, whether you are worried about getting in trouble at a checkpoint or losing payment in an accident.