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Louisiana: Crashes, impairment and insurance

Louisiana: Crashes, impairment and insurance

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Question 1 of 20
  1. 1. Outside a Louisiana business or residential district, you want to stop briefly beside a highway. A safe place off the traveled roadway is available. Where should you stop?
  2. 2. Your disabled car must temporarily remain parked on a Louisiana highway after sunset. What lighting duty applies while it remains there?
  3. 3. After a minor Louisiana highway crash, nobody is injured and your car is safe to drive. It blocks a travel lane, and a safe shoulder is nearby. What should you do?
  4. 4. A Louisiana crash causes $700 in property damage but no injuries. No declared emergency or evacuation applies. Is a police notification required?
  5. 5. A reportable Louisiana crash occurs outside any incorporated city or town. Which agency does the law direct the driver to notify?
  6. 6. After a reportable Louisiana crash, the other driver asks for your identifying information and to see your available driver's license. What must you provide?
  7. 7. For a Louisiana driver age 21 or older in an ordinary private car, what blood alcohol concentration meets the statute's numerical alcohol threshold?
  8. 8. A 19-year-old with a full Louisiana license drives a private car with a BAC of 0.02%. Is that below the underage impaired-driving threshold?
  9. 9. A 30-year-old Louisiana driver has a BAC below 0.08% but is impaired by alcohol. Does the lower reading make the driving lawful?
  10. 10. A medicine was legally prescribed to you, but it now impairs your ability to drive safely. Does the prescription make driving in Louisiana acceptable?
  11. 11. A Louisiana driver becomes impaired after combining alcohol with medicine. The driver's BAC is below 0.08%. Which rule applies?
  12. 12. An officer has reasonable grounds to believe a person drove impaired on a Louisiana public highway and arrests the person for the related offense. What does implied consent concern?
  13. 13. After an impaired-driving arrest, a Louisiana driver is properly asked to submit to a chemical test. Can refusing the test affect the driver's license?
  14. 14. A Louisiana driver refuses a chemical test after an impaired-driving arrest. Can evidence of that refusal be admitted in a criminal proceeding arising from the alleged impaired driving?
  15. 15. For an ordinary Louisiana private-car liability policy, which minimum limits match bodily injury per person, bodily injury per accident, and damage to others' property?
  16. 16. You cause a crash and damage your own car. Does Louisiana's required liability coverage by itself guarantee payment to repair your car?
  17. 17. You have current liability coverage for your Louisiana-registered car. Can an image of the insurer-issued identification card displayed on your phone serve as proof?
  18. 18. Your insurance policy has been cancelled. An old identification card on your phone still shows a future expiration date. Does keeping that image establish current coverage?
  19. 19. At a Louisiana traffic stop, you lack the insurance document, but the officer electronically verifies current coverage for your car. May the officer impose a penalty solely for missing that document?
  20. 20. An ordinary Louisiana-registered car is used on public roads, with no statutory exemption. Who has the legal duty to maintain its required liability security?
Review all 20 questions with answers
  1. Outside a Louisiana business or residential district, you want to stop briefly beside a highway. A safe place off the traveled roadway is available. Where should you stop?

    Correct answer: Off the traveled roadway, leaving traffic a clear passage.

    When stopping off the paved or main traveled part is practicable, use that space. The rule applies whether the vehicle is occupied or unattended; hazard lights do not create a parking exception.

    Source: Louisiana Legislature; R.S. 32:141(A); current statutory text read September 22, 2026. ↗

  2. Your disabled car must temporarily remain parked on a Louisiana highway after sunset. What lighting duty applies while it remains there?

    Correct answer: Display appropriate warning lights for approaching traffic.

    A vehicle parked on a highway between sunset and sunrise needs appropriate signal lights to warn approaching traffic. Calling for help does not replace that warning duty.

    Source: Louisiana Legislature; R.S. 32:141(C); current statutory text read September 22, 2026. ↗

  3. After a minor Louisiana highway crash, nobody is injured and your car is safe to drive. It blocks a travel lane, and a safe shoulder is nearby. What should you do?

    Correct answer: Move to the nearest safe shoulder and remain at the scene.

    In this situation the law requires clearing the travel lane to the nearest safe shoulder. That move does not violate the duty to remain at the crash scene. This scenario does not direct anyone to move an unsafe vehicle or an injured person.

    Source: Louisiana Legislature; R.S. 32:141(D); current statutory text read September 22, 2026. ↗

  4. A Louisiana crash causes $700 in property damage but no injuries. No declared emergency or evacuation applies. Is a police notification required?

    Correct answer: Yes; property damage over $500 triggers immediate notice.

    The reporting trigger is injury, death or property damage exceeding $500. In this ordinary situation, notice must be immediate. The special emergency or evacuation provision must not be treated as the routine reporting deadline.

    Source: Louisiana Legislature; R.S. 32:398(A), (A)(1) and (A)(4); current statutory text read September 22, 2026. ↗

  5. A reportable Louisiana crash occurs outside any incorporated city or town. Which agency does the law direct the driver to notify?

    Correct answer: The nearest sheriff's office or state police station.

    For a crash outside incorporated city or town limits, notify the nearest sheriff's office or state police station. Inside those limits, the statute directs notification to the local police department.

    Source: Louisiana Legislature; R.S. 32:398(A)(1); current statutory text read September 22, 2026. ↗

  6. After a reportable Louisiana crash, the other driver asks for your identifying information and to see your available driver's license. What must you provide?

    Correct answer: Your name, address, vehicle registration number and license.

    The statute requires the driver's name, address and vehicle registration number, plus display of the available license or permit upon request. The investigating officer is also entitled to the specified information and requested license.

    Source: Louisiana Legislature; R.S. 32:398(A)(2) and (3); current statutory text read September 22, 2026. ↗

  7. For a Louisiana driver age 21 or older in an ordinary private car, what blood alcohol concentration meets the statute's numerical alcohol threshold?

    Correct answer: 0.08% or higher.

    R.S. 14:98 sets the numerical threshold at 0.08%. This is not permission to drive with a lower reading when alcohol has impaired safe driving.

    Source: Louisiana Legislature; R.S. 14:98(A)(1)(b); current statutory text read September 22, 2026. ↗

  8. A 19-year-old with a full Louisiana license drives a private car with a BAC of 0.02%. Is that below the underage impaired-driving threshold?

    Correct answer: No; the under-21 threshold begins at 0.02%.

    The 0.02% threshold applies to drivers under 21, not just to learners or drivers under 18. At 0.08% or higher, the statute directs charging under the general BAC provision instead.

    Source: Louisiana Legislature; R.S. 14:98.6(A) and (B); current statutory text read September 22, 2026. ↗

  9. A 30-year-old Louisiana driver has a BAC below 0.08% but is impaired by alcohol. Does the lower reading make the driving lawful?

    Correct answer: No; alcohol impairment is a separate basis for the offense.

    The law separately prohibits operating while impaired by alcohol. A reading below the numerical threshold does not excuse actual impairment.

    Source: Louisiana Legislature; R.S. 14:98(A)(1)(a) and (b); current statutory text read September 22, 2026. ↗

  10. A medicine was legally prescribed to you, but it now impairs your ability to drive safely. Does the prescription make driving in Louisiana acceptable?

    Correct answer: No; legally obtained medicine can still cause prohibited impairment.

    The law covers impairment by any drug, and defines drugs by their potential to impair safe vehicle operation. A valid prescription does not make impaired driving lawful.

    Source: Louisiana Legislature; R.S. 14:98(A)(1)(c) and (A)(3); current statutory text read September 22, 2026. ↗

  11. A Louisiana driver becomes impaired after combining alcohol with medicine. The driver's BAC is below 0.08%. Which rule applies?

    Correct answer: Impairment from the combination can still violate the law.

    The statute expressly includes impairment caused by a combination of alcohol and drugs. The BAC threshold does not replace this separate impairment rule.

    Source: Louisiana Legislature; R.S. 14:98(A)(1)(c); current statutory text read September 22, 2026. ↗

  12. An officer has reasonable grounds to believe a person drove impaired on a Louisiana public highway and arrests the person for the related offense. What does implied consent concern?

    Correct answer: Chemical testing for alcohol or drugs under the statute.

    Louisiana's implied-consent law concerns chemical tests under its specified arrest and reasonable-grounds conditions. It applies regardless of the driver's age; a collision is not a required condition.

    Source: Louisiana Legislature; R.S. 32:661(A)(1) and (2)(a); current statutory text read September 22, 2026. ↗

  13. After an impaired-driving arrest, a Louisiana driver is properly asked to submit to a chemical test. Can refusing the test affect the driver's license?

    Correct answer: Yes; refusal can lead to suspension of driving privileges.

    The required warning tells the driver that refusing chemical testing can result in a license suspension. Refusal is not a consequence-free alternative to a test; the applicable outcome depends on the statutory circumstances.

    Source: Louisiana Legislature; R.S. 32:661(C)(1)(b); current statutory text read September 22, 2026. ↗

  14. A Louisiana driver refuses a chemical test after an impaired-driving arrest. Can evidence of that refusal be admitted in a criminal proceeding arising from the alleged impaired driving?

    Correct answer: Yes; the statute allows the refusal to be admitted.

    R.S. 32:666 allows evidence of a test refusal in a criminal proceeding alleging impaired driving or actual physical control. That is separate from the possible effect on driving privileges.

    Source: Louisiana Legislature; R.S. 32:666(A)(2)(c); current statutory text read September 22, 2026. ↗

  15. For an ordinary Louisiana private-car liability policy, which minimum limits match bodily injury per person, bodily injury per accident, and damage to others' property?

    Correct answer: $15,000 / $30,000 / $25,000.

    The ordinary minimums are 15/30/25. The $30,000 bodily-injury accident limit remains subject to $15,000 for one person; the property limit is for others' property. Different motor-carrier requirements are outside this scenario.

    Source: Louisiana Legislature; R.S. 32:900(B)(2)(a)–(c); current statutory text read September 22, 2026. ↗

  16. You cause a crash and damage your own car. Does Louisiana's required liability coverage by itself guarantee payment to repair your car?

    Correct answer: No; required liability coverage is not own-car collision coverage.

    Required property-damage liability concerns damage to others' property. The statute does not require that liability policy to cover property owned by the insured. Do not assume it includes separate coverage for your own car.

    Source: Louisiana Legislature; R.S. 32:900(B)(2)(c) and (E); current statutory text read September 22, 2026. ↗

  17. You have current liability coverage for your Louisiana-registered car. Can an image of the insurer-issued identification card displayed on your phone serve as proof?

    Correct answer: Yes; the law accepts that form of insurance identification.

    The accepted forms include the insurance identification card, a photocopy, or its image on a mobile electronic device. The card must identify the policy and insured vehicle, including the effective and expiration dates.

    Source: Louisiana Legislature; R.S. 32:863.1(A)(1)(a); current statutory text read September 22, 2026. ↗

  18. Your insurance policy has been cancelled. An old identification card on your phone still shows a future expiration date. Does keeping that image establish current coverage?

    Correct answer: No; the policy's current status must actually be active.

    Verification includes the policy's current status, not just the dates displayed on an old card. An image of a cancelled policy does not create active insurance.

    Source: Louisiana Legislature; R.S. 32:863.1.1(A) and (B); current statutory text read September 22, 2026. ↗

  19. At a Louisiana traffic stop, you lack the insurance document, but the officer electronically verifies current coverage for your car. May the officer impose a penalty solely for missing that document?

    Correct answer: No; that verified-coverage exception prevents that document penalty.

    When the officer verifies current coverage electronically, the statute bars a citation resulting in a penalty, fine or fee for not having the proof document. This does not excuse an unrelated traffic violation.

    Source: Louisiana Legislature; R.S. 32:863.1.1(C); current statutory text read September 22, 2026. ↗

  20. An ordinary Louisiana-registered car is used on public roads, with no statutory exemption. Who has the legal duty to maintain its required liability security?

    Correct answer: The vehicle's registered owner.

    The registered owner must maintain the required security. Liability insurance is a common way to comply; the statute also recognizes specified bonds, state-treasurer certificates and qualified self-insurance, not an informal promise to pay.

    Source: Louisiana Legislature; R.S. 32:861(A)(1) and (2)(a); current statutory text read September 22, 2026. ↗

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Question reference: la-car-responsibility-001

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