Louisiana Uninsured Motorist Insurance
Reader’s Question:
What does uninsured motorist insurance cover in Louisiana?
Jim
Metairie, LA
The state of Louisiana Law requires drivers to carry liability coverage on any car they own. This coverage pays for personal injury or property damages for which you may be legally responsible, up to your policy’s dollar limits.
You may choose to buy uninsured motorist economic-only coverage. This coverage is similar with uninsured motorist coverage except that it covers only the actual costs of injuries to you and the passengers of your car. Pain and suffering are not included in this type of coverage.
Uninsured/Underinsured motorist property damage coverage provides for repairs to your car if you get involved in an accident with an uninsured driver. A $250 deductible applies under this type of coverage, and your recovery is limited to $10,000 or the actual cash value of the car, whichever is less. If your insurance policy includes collision and comprehensive insurance, this coverage is not available.