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The importance of uninsured and underinsured motorists coverage

Death and taxes are unavoidable. So is automobile insurance for those who drive a car. Like residents in most other states, Louisiana residents are also encouraged to carry uninsured and underinsured motorists coverage. However, many may be tempted to carry only the required minimum levels of insurance, which could fall short in some circumstances.

Drivers are required by law to carry at least liability coverage, but less than half of the states require other options, including uninsured coverage. Not only is driving without insurance against the law, fines and other penalties may be imposed for violations, particularly if a driver is involved in a wreck. The driver may also be barred from making any insurance claims, even in the event he or she is not at fault. If a driver does carry the minimum levels of insurance and the other driver does not, then the resulting medical or property damage bills over the minimum amounts may typically become the burden of the victims.

Collision and comprehensive coverage will help cover repairs to one's vehicle that may not be applicable under the liability coverage, and comprehensive coverage can ensure that damages are covered whether through a wreck or other means. The biggest risks that a driver may face may come from uninsured and underinsured drivers. When these motorists cause an accident, then getting an insurance payout to cover injuries and any required physical therapy or rehabilitation can be difficult at best. 

When a driver or passengers are injured in an accident that is not the driver's fault, then it may be expected that the other driver's insurance will cover medical and property damages up to the limits of the policy. If the other driver is not adequately insured, that is when the uninsured and underinsured motorists coverage would apply. A personal injury attorney can assist accident victims in Louisiana handle insurance claims and pursue recovery of monetary damages from the party or parties deemed responsible.

Source: dmv.org, "Louisiana Car Insurance - Quotes, Coverage & Requirements", Accessed on April 29, 2017

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