Its been my experience that there are so many uninsured and underinsured drivers in Louisiana. If you are injured and the at fault party has not purchased insurance you will probably have to bear the injury without compensation because typically those without insurance judgment proof. You should carry uninsured motorist coverage (UM coverage) with your regular insurance policy. McDill v. Utica Mut. Ins. Co., 475 So. 2d 1085, 1089 (La. 1985) provides that your UM carrier pay o

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