Louisiana requires all drivers to carry auto insurance policies that include uninsured motorist (UM) and underinsured motorist (UI) coverage. In most cases, drivers will have the same amount of UI/UM coverage as they do for bodily injury liability (BIL) coverage; however, policyholders can carry the bare minimum of $15,000.
If an uninsured driver caused an accident, then you can likely file a claim under your own UM policy to recover damages up to your policy limit. Once you have exhausted your policy limit, you may have to sue the driver, or some other legally-liable party, for additional compensation. Hiring an experienced Louisiana car accident injury lawyer gives you the best shot at securing the maximum compensation available for your injuries and losses.
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