Uninsured Motorist Coverage: Louisiana

For drivers in Louisiana, uninsured motorist insurance is not compulsory. However, a study by the Insurance Research Council found that 10% of road users in Louisiana are driving without insurance. That’s 453,337 motorists! So how does uninsured motorist insurance work? Generally, uninsured motorist coverage pays for costs caused by a hit-and-run or an automobile accident with a driver that doesn’t have insurance. Uninsured motorist protection is oftentimes known as Louisiana hit and run insurance coverage. Regardless that you were not in the wrong, you could get saddled with losses stemming from a car accident with an uninsured motorist – until you add uninsured motorist insurance to your insurance policy, of course! Louisiana uninsured motorist coverage does not need to cost you lots of money. We can’t stress this enough: it is crucial to compare rates on Louisiana uninsured motorist coverage between insurers. For that reason we allow you to compare rates from the leading providers of Louisiana UM/UIM coverage – online!

Louisiana Uninsured Motorist Law

UM/UIM Coverage Needed: No. In order to be properly insured in the state of Louisiana, a road user needs to have the following coverage amounts:

  1. For one individual injured in an accident: $15,000
  2. For all of the persons injured in an accident: $30,000
  3. For damage to property in an accident: $25,000

If he or she doesn’t carry this much coverage, at minimum, a driver will be underinsured. In cases like this, UM/UIM protection should cover the difference between how much the motorist responsible is able to cover, and how much is supposed to be paid.

Accident With Uninsured Motorist in Louisiana?

If you’ve been in an accident with an uninsured vehicle in Louisiana, you may have the right to legal action. It certainly seems unjust to be refused compensation just because a driver failed to acquire insurance coverage, and the courts may be in agreement. It goes without saying, it’s imperative to get legal advice to assess your uninsured motorist case.