Understanding Uninsured/Under-Insured Motorist Insurance

Uninsured/Under-Insured Motorist Insurance, often called "UM coverage," is vital for every driver. This type of insurance provides financial protection if you are injured in an accident caused by a driver who either lacks insurance or doesn’t have enough coverage to compensate for your injuries.

How Does UM Coverage Work?

If you’re involved in an accident that’s not your fault and the at-fault driver has no insurance, UM coverage allows you to recover for your injuries. This insurance adds an essential layer of protection for victims of negligence, ensuring you aren’t shouldering the financial burden alone.

Legal Requirement in Louisiana

In Louisiana, all auto insurance policies must include UM coverage unless it's waived in writing by the policyholder using a form specified by the insurance commissioner. Many people opt to waive this coverage to save on premiums. However, we strongly advise against it, as UM coverage can significantly impact your financial security.

Fear of Filing a Claim?

Many drivers hesitate to file a UM claim against their own insurance, fearing increased rates or cancellation. It's important to know that, under Louisiana law, your insurance company cannot raise your premiums or drop your policy just because you filed a UM claim when the accident wasn’t your fault.

Check Your Coverage Today

To ensure you are protected, check your auto insurance policy for UM coverage. Contact your insurance company and request a copy of your Declarations Page, which will detail your coverages and limits.

Adding Uninsured/Under-Insured Motorist Insurance to your policy is a smart move that provides peace of mind while driving. Don’t leave your financial future at risk—make sure you have UM coverage in place today!