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What is Uninsured Motorists Coverage and What Happens if I Don't Have It?

Broken tail light Car accidents are as traumatic as they are common and can be extremely expensive. While Louisiana requires every motorist to carry at least minimum liability insurance on their vehicle, more than 13 percent of Louisiana drivers violate the rule. Specifically, the Insurance Research Council recently released a report entitled “Uninsured Motorists: 2017” which recognized Louisiana as the 20th most uninsured state and that our number of uninsured motorists (13 percent) was above the national average.

Uninsured motorist coverage is an optional coverage available to you on your liability auto policy providing insurance coverage in the specific event that you are injured through the fault of an uninsured individual. Additionally, uninsured motorist coverage provides underinsured driver benefits in the frequent scenario where the at-fault driver has insurance but only at the required Louisiana minimum amount ($15,000 per person, $30,000 per accident).

The only thing worse than getting in an auto accident is getting in an auto accident when the other driver doesn’t have insurance or doesn’t have enough insurance.

Under Louisiana law, your auto insurance company must offer uninsured motorist coverage in an amount equal to your auto liability insurance. As experienced personal injury attorneys who have handled thousands of personal injury auto accidents, our firm Anderson, Dozier, Blanda & Saltzman recommends to all clients and friends that they purchase standard uninsured motorist insurance. As important as it is to have liability insurance to address your negligence if you hurt someone, it is equally important to protect yourself in the event that you are injured through the fault of a motorist driving without liability insurance or with not enough.

If you have a question about uninsured motorist insurance coverage or your auto liability insurance policy, please contact our experienced personal injury plaintiff attorneys at Anderson, Dozier, Blanda & Saltzman.

Client Reviews
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Finding yourself in the middle of a personal injury case is not a pleasant experience. I could not have been more blessed than to have Mr. Boyd Anderson represent me in that difficult time. He treated me and my family with respect and earned my complete trust. Mr. Anderson is an extremely skilled attorney and did an exceptional job with my case. His support staff, Tammy and Donna, are also amazing to work with. They are very thorough and took care of every detail, so that I could concentrate on healing. I would not hesitate for a second to recommend Boyd Anderson to family and friends. Angie T.
★★★★★
Boyd Anderson, along with his associates and staff always keep you in the know. He is very personable, offers great advise and he saw my suit to the end personally. It’s very rare that an attorney personally responds back to emails and calls. Not to mention the accolades, experience and expertise is top notch and really impressive. I would definitely recommend this firm to anybody if they are serious about winning. This firm gets the job done and exceeds expectations. Shantele J.
★★★★★
With the plethora of advertisements one sees nowdays, it's difficult to discern just who is best qualified to represent you if you need legal assistance. An overabundance of tv commercials does not necessarily point one in the correct direction. When I needed help, I choose Boyd Anderson and his firm. Best decision I ever made. Superlative service throughout the legal process...and I very much appreciated the prompt attention to details I suspect other firms would have probably overlooked. Anderson's team and experience made a huge difference in my life...an exceptional group of professionals...for sure. Paulette P.