Louisiana law requires all motorist carry liability insurance. If a driver is unwilling or unable to properly insure their vehicle, and are then involved in a motor vehicle accident, the insurance of the other driver is usually not sufficient to cover damages.
In the event a driver involved in an accident is uninsured, underinsured, or flees the accident without being identified, injured parties may be protected by uninsured and underinsured motorist coverage. This additional coverage is optional in Louisiana. To know your full rights, you should consult with a New Orleans auto injury attorney.
You must opt out of Louisiana uninsured motorist coverage
To avoid having any drivers think they have uninsured and underinsured driver coverage when they actually do not, all Louisiana drivers must fill out a Uninsured/Underinsured Motorist Bodily Injury Coverage Form (UMBI) form. Otherwise, the uninsured driver coverage is automatically added to their policy.
The Louisiana Department of Insurance stipulates the coverage be equal to the driver's liability coverage for bodily injury. If you want to reject the additional coverage, initial the proper space on the UMBI form and return it to your insurance provider.
If you are injured due to the negligence of an insured driver, contact a New Orleans auto injury attorney at the Venegas Law Firm. They will carefully listen to you, explain your rights, and if possible help you file a personal injury claim to get the compensation you deserve.
Although we cannot help in every auto accident case, make sure you phone us to check before you settle with any insurance company to assure that your rights are protected and that you are receiving the compensation you deserve.