Uninsured Motorist Coverage — Louisiana
Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when you're hit by a driver who has no insurance or not enough insurance to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) pays for your medical bills, lost wages, and vehicle damage when an at-fault driver has no insurance. Underinsured motorist coverage (UIM) kicks in when the at-fault driver's liability limits are too low to cover your full claim. Both coverages protect you from paying out-of-pocket for someone else's mistake when their insurance is absent or inadequate.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
You should carry UM and UIM coverage if you drive regularly in Louisiana, where one in eight drivers is uninsured. It's especially critical if you don't have health insurance with low out-of-pocket maximums, if you're the primary earner in your household and can't afford weeks of unpaid recovery, or if you drive a vehicle worth more than your collision deductible and want hit-and-run protection.
This ensures you're as protected from uninsured drivers as others are protected from you.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your ZIP code's uninsured driver rate — parishes with higher uninsured rates see slightly higher UM premiums to reflect claim frequency.
- Your claims history — a prior UM claim may increase your rate at renewal, though less than an at-fault accident would.
