Here is how policy limits work in Louisiana: the state requires a minimum amount of auto insurance coverage, which covers medical expenses, lost income, property damage, and any related damages. The coverage limits are the maximum amount of money that an insurance provider is required to pay for various damages. If the auto insurance’s liability limits aren’t enough to cover an injured party’s expenses, the victim can file a claim against their own underinsured motorist coverage for additional reimbursement, or they can pursue legal action against the at-fault driver or other involved parties (such as a truck driver’s employer, for example).