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Reasons to carry uninsured/underinsured motorist coverage

Learn more about uninsured/underinsured motorist coverage. Find out why you need it on your policy.

It is very easy to assume that every driver on the road has auto insurance. However, that is far from the case in Louisiana. In reality, there are many drivers who are driving uninsured every day. If one of these people causes an accident, it can spell big trouble for the others involved when they try to get compensation for injuries and damage. That is why all drivers should carry uninsured/underinsured motorist coverage.

Legal requirements

Under Louisiana law, according to the Department of Insurance, drivers must have minimum auto insurance coverage. This is liability coverage that will pay for damage they cause if they are in an accident. Drivers are not required to carry collision or comprehensive coverage, although if a person has a loan through a bank on his or her vehicle, such coverage is usually required. Neither the state nor lien holders usually require uninsured/underinsured motorist coverage, but that does not mean it is not a good idea to have it.

Uninsured/underinsured motorist coverage defined

This type of insurance coverage offers protection to a driver if he or she is in an accident with someone who has no insurance or not enough insurance to cover the damages. There are different types of coverage that drivers may get. They could get coverage for bodily injures and property damage along with pain and suffering or just the injury and damage coverage. Typically, the cost of adding this coverage is minimal. It also does not have a negative impact on a person’s insurance rates if it has to be used.


Having this type of coverage is advisable because there are so many drivers on the road who are uninsured. Nobody knows when they may be a victim in an accident. The costs of an accident could be significant and cost the victim a lot of money if there is no insurance policy to cover damages.

Another good thing about having this insurance, according to Esurance, is that a driver can ensure he or she is covered no matter what if an accident happens. When a person gets into a crash with someone who is uninsured, the chances are really good that it will be next to impossible to sue for damages. If the person cannot afford to have insurance, they likely cannot afford to pay the costs of injuries and property damage. It can often be impossible to recoup the expenses of an accident from an uninsured motorist.

If you have been in an accident with an uninsured motorist, you should seek legal help. Whether you are negotiating with your insurance or trying to recoup damages from the at fault party, an attorney, such as The Townsley Law Firm, can help.