Louisiana law requires that every car owner must have liability coverage. This is meant to help cover medical expenses and other costs for anyone involved in a Louisiana car accident. But some people carry no insurance at all, or a minimum amount which cannot cover most damages. Louisiana underinsured motorist coverage can protect you from people who drive without car insurance.
First, it is important to know that Louisiana underinsured motorist coverage is optional. You do not have to accept this on your policy, but it can be very useful if you are involved in a collision with an underinsured driver. In such cases, this coverage will pay for any medical expenses that you incur due to personal injuries. This covers you and the occupants of your car.There is also underinsured motorist coverage that will cover damages to your vehicle.
Particularly in Louisiana, there should be an asterisk next to the “optional” status of underinsured motorist coverage. That’s because the state requires that to reject this coverage, you must sign an additional form. Otherwise, this coverage will be automatically included in your car insurance policy. This stipulation protects you from accidentally denying this coverage, since you will need to go out of your way to remove this coverage from your insurance policy.
The Underinsured Motorist Bodily Injury Coverage Form is otherwise known as the UMBI form. This is the form for insurance coverage which pays “persons insured by your policy who are injured in an accident caused by an owner or operator of an underinsured motor vehicle.” Under Louisiana law, this coverage will have the same limits as your Bodily Injury Liability coverage, unless you request otherwise. You can accept or reject UMBI coverage by initialing the indicated space on the form, and returning it to your insurance provider.
If you have been seriously injured due to someone else’s negligence, your car insurance or that of the party may not offer enough compensation to help cover your expenses. Get the compensation you deserve by contacting a Louisiana personal injury attorney who can explain your legal rights and help you file a personal injury claim. Contact a Louisiana personal injury lawyer today at the Law Offices of J. Price McNamara – (866) 248-0580.
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
Complete the confidential form below for a free, no obligation case evaluation and we’ll tell you how we can help.
You may also call us at the number below. J. Price McNamara and his legal support team are focused on building a strong case for you.
How did we do?
Note: Your review may be shared publicly.