With so many uninsured drivers on Louisiana roads, your own UM/UIM coverage is often your real safety net.
Louisiana's Uninsured Driver Problem
Louisiana consistently ranks among the states with the highest share of uninsured motorists. If one of them hits you, there may be no policy on the other side to pay for your injuries.
That is where uninsured/underinsured motorist (UM/UIM) coverage on your own policy becomes essential.
How UM/UIM Works
UM coverage pays when the at-fault driver has no insurance; UIM pays when they have too little. Louisiana insurers must offer this coverage, and you can reject it only in writing. Many people have more of it than they realize.
It can also cover you as a passenger, pedestrian, or cyclist depending on your policy terms.
Fighting Your Own Insurer
A UM claim is filed against your own company, and they may still fight you. An attorney can hold your insurer to its obligations and pursue the full benefits you paid for.
Injured in Louisiana? Injury Claim Team connects you with experienced personal injury attorneys statewide. The review is free, and there is no fee unless you win. Call 973-566-5599 — a specialist will reach out within the hour.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Louisiana attorney.