In Louisiana, drivers are required to carry liability insurance coverage for bodily injury and property damage. However, not all drivers comply with this requirement, and accidents involving uninsured drivers can happen.
To protect drivers in these situations, Louisiana has uninsured motorist (UM) laws that require insurance companies to offer UM coverage as part of a car insurance policy. UM coverage provides financial protection in case the policyholder is in an accident with an uninsured or underinsured driver.
Louisiana law requires UM coverage to have the same minimum limits as liability coverage, which are:
Drivers can opt out of UM coverage by signing a written waiver, but insurance companies are required to offer it as part of the policy.
It’s important to note that UM coverage is different from underinsured motorist (UIM) coverage, which provides additional protection if the at-fault driver has insurance, but their coverage limits are not enough to cover the full extent of damages. UIM coverage is not required by Louisiana law but is also typically offered by insurance companies.
Louisiana Revised Statutes, Title 22, Section 1295:
Louisiana Department of Insurance, Auto Insurance:
Louisiana State Bar Association, Uninsured and Underinsured Motorist Coverage:
If you or your family member have suffered personal injuries in a Covington car accident, you may be entitled to compensation. I am a Covington car accident attorney who can advise you of your rights if you have been injured by in a car crash.
We can help you with the insurance claims process if you qualify, and take steps to preserve your rights so that you can focus on your medical treatment and getting better.
I have experience in a variety of personal injury matters including motor vehicle accidents, 18 wheeler wrecks, wrongful death claims and defective product litigation.
If you or your loved one has been hurt by another person’s negligence, it is recommended that you speak to a personal injury lawyer to discuss your rights. Before you accept a quick check from an insurance company, it is recommended that you speak to an attorney with experience in personal injury cases first.