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.
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