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Uninsured Motorist Coverage — Louisiana

Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage steps in when the at-fault driver has no liability insurance or flees the scene. It pays your medical bills, lost wages, pain and suffering, and in some states vehicle damage up to your policy limits. Louisiana requires carriers to offer UM coverage matching your liability limits, and you must sign a rejection form to decline it. The coverage applies to you, your passengers, and family members listed on your policy.

  • You swerve to avoid an uninsured driver and hit a guardrail. The other driver leaves the scene. UM coverage does not apply because there was no contact between vehicles. You need collision coverage to pay for your vehicle damage in single-vehicle crashes, even if another driver caused you to swerve.
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Who Needs Uninsured Motorist Coverage Insurance?

Drivers without collision coverage especially need UM property damage because it's the only way to recover vehicle repair costs if an uninsured driver hits you.

Compare your UM premium cost to your health insurance deductible and vehicle replacement cost. If you're driving on SR-22 insurance and cannot afford to replace your vehicle or pay medical bills out of pocket, keep UM coverage even if it raises your monthly premium.

How Much Does Uninsured Motorist Coverage Insurance Cost?

  • Your UM coverage limits must match your liability limits in Louisiana unless you request lower limits in writing, so higher liability limits directly increase UM cost.
  • Stacking UM coverage across multiple vehicles on one policy increases cost but allows you to combine limits if one vehicle is hit by an uninsured driver.
  • Rejecting UM coverage saves the premium cost but exposes you to full financial responsibility if hit by one of Louisiana's 380,000 uninsured drivers.

Related Coverage Types

A woman with long brown hair sits in the driver's seat of a car, holding a phone to her ear and looking to the side through the windshield.SR-22 Insurance→Driver's-eye view from inside a car at night, with two hands gripping the steering wheel, an illuminated instrument cluster, and blurred street lights and red tail lights ahead.High-Risk Auto Insurance→A woman with long brown hair sits in the driver's seat of a vehicle, holding a phone to her ear and looking out through the windshield.Non-Standard Auto→Interior view from a driver's seat at night, with two hands on a steering wheel, an orange-lit instrument cluster, and a road with streetlights and blurred vehicle lights ahead.Reinstatement Coverage→
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