We were unable to find that exact date that the Louisiana minimum auto insurance liability limits changed to 10/20/10 however from the information we have found below it would appear that it would be about 20 years ago. We would suggest contacting the LA Department of Insurance to get specific information on what year the state changed its limits from the 5/10/10 that you mentioned to the current 10/20/20 limits.
The Louisiana state legislature appears to be deciding if the 10/20/10 limits will soon be changed to higher limits such as 25/50/25.
At the end of May 2007, the Louisiana State Senate approved Senate Bill 223. It would increase the present auto insurance limits of $10,000 for damage to the property of another in a car accident and $10,000 for the death and injury of one person to $25,000 for each type of damage. The bill also increases from $20,000 to $50,000 the threshold for coverage of multiple deaths or injuries in an accident.
This bill is supported by those that think mandatory auto liability insurance limits should be higher than they are now.
This bill now heads to the LA House Insurance Committee. The Senator sponsoring the bill noted that the mandated auto insurance liability limits have not increased in 20 years, while the average price of automobiles has gone from an average of $10,600 in 1983 to $21,600 in 2007.