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Uninsured Motorist Coverage — Louisiana

Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient liability limits.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage (UM) steps in when the at-fault driver in a crash has no insurance or liability limits too low to cover your damages. It pays your medical expenses, lost wages, vehicle repair costs, and pain and suffering up to your policy limits. In Louisiana, UM is optional, but your insurer must offer it in writing — you have to actively reject it. If you're reinstating your license after suspension, UM is particularly valuable because you're statistically more likely to encounter uninsured drivers during the reinstatement period.

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Who Needs Uninsured Motorist Coverage Insurance?

If you're reinstating your license after suspension in Louisiana, UM is one of the highest-value coverages you can buy. Suspended drivers statistically encounter more uninsured motorists during the reinstatement period, and if you're carrying SR-22 insurance, adding UM costs little relative to your total premium. If you're on a non-owner policy, UM covers your medical expenses even though you don't own a vehicle, which fills a gap your health insurance may not cover after a car crash.

Compare your UM premium to your health insurance deductible and out-of-pocket maximum. Stack UM limits across vehicles if you own more than one car and want maximum payout flexibility.

How Much Does Uninsured Motorist Coverage Insurance Cost?

Your selected UM limit — higher limits increase cost, but Louisiana caps UM limits at your liability limit
Your ZIP code — parishes with higher uninsured motorist rates (Orleans, Caddo, East Baton Rouge) see higher UM premiums
Your at-fault accident history — recent claims increase UM cost even though UM covers you as the victim
Whether you stack UM across multiple vehicles on your policy — stacking multiplies your available UM payout but increases premium proportionally
Whether you're adding UM to a non-owner SR-22 policy during reinstatement — non-owner UM is typically cheaper because it excludes vehicle damage

Related Coverage Types

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Non-Owner SR-22→

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Hardship License Insurance→

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Reinstatement Coverage→

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High-Risk Auto Insurance→

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