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Do I have underinsured/uninsured motorist insurance?

Underinsured and uninsured motorist insurance could handle your costs, even if someone responsible for your injuries during an accident did not carry adequate coverage. It could also help you if the other driver had no insurance at all.

The best way to determine the specific terms of your car insurance policy is typically to read through the documents yourself or have a trusted advisor do so. Louisiana law does have some rules about uninsured and underinsured motorist protection, but the laws do not mandate that everyone cover this type of liability. 

Per Louisiana statute, your car insurance company has a legal requirement in most cases to offer you this type of insurance when you sign up for policy. However, as you might expect, there are some complications that could end up with you not carrying underinsured or uninsured motorist liability coverage.

First and foremost, you could reject the coverage. Furthermore, you would not want to assume that every new policy from a new company must contain terms protecting you from uninsured motorists. If you rejected such coverage before, and if your new company is affiliated with your old one, your new insurer may have a legal excuse for not offering you this type of policy. 

Another common issue you might encounter would be the fact that insurance companies do not have to offer these policies in economy-only packages. Considering the reams of paper you often have to sign while making a coverage agreement, it is only natural that you could overlook the official form for rejecting underinsured and uninsured motorist insurance. 

Even if you carry this coverage, there is no complete guarantee that your insurance provider will pay your benefits should the time come. If this unfortunately common disappointment happens to you, you may need to take further action to secure the payments you need to get your life back on track. Please do not consider this as legal advice. It is simply background information.

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