Uninsured motorist insurance protects you should you get in an accident with a driver who’s uninsured. Considering that’s one in every eight drivers in America, it’s a good idea to get UM coverage. Lucky for you, it’s a mandatory requirement in the state of Louisiana to get it (along with 19 other states). Here are the specifics of the protections this coverage affords you.
What Uninsured Motorist Insurance Protects You From
- Bodily injury coverage – Uninsured motorist insurance covers bodily injury to the driver in an accident with someone who is uninsured or underinsured. It may also cover injuries to all passengers in the vehicle, not only the driver. Covered UM expenses for you and your passengers should include lost wages and medical bills.
- Property damage coverage – Most but not all UM insurance covers damage occurring to your vehicle as well as personal property inside of your vehicle, after a crash with an uninsured driver. It could also include damages caused by a hit and run.
To determine how much UM insurance you may need, consider how many occupants you generally will be driving with. Also anticipate what your medical insurance will cover and how much your car is worth. Combined, these factors make up the bulk of what uninsured motorist protection will cover for you, should you ever have to use it. If you have been injured by an uninsured motorist, contact your local personal injury attorney.