What Is Uninsured Motorist Coverage?

Find out how uninsured and underinsured motorist coverage protects you and your family after an accident.

How Uninsured Motorist Coverage Protects You

Uninsured/Underinsured Motorist (UM/UIM) Coverage helps protect you and your passengers if you are injured in an accident caused by a driver who either has no insurance or does not have enough insurance to cover your damages.

This coverage may help pay for:

• Medical expenses for you and your passengers.
• Lost income if you are unable to work because of your injuries.
• Pain and suffering, when applicable.
• Other covered damages resulting from the accident.

Louisiana law requires insurance companies to offer Uninsured/Underinsured Motorist Coverage, but you have the option to reject it in writing. Many drivers choose to keep this coverage because it provides valuable financial protection.