Support for drivers hit by someone with no insurance or too little coverage.
Understanding Uninsured and Underinsured Motorist Coverage
Uninsured motorist coverage, often called UM coverage, protects you when the at fault driver has no insurance. Underinsured motorist coverage, sometimes called UIM coverage, applies when the driver has insurance but not enough to cover your losses.
Louisiana law requires auto insurers to offer UM and UIM coverage, and many people carry it without realizing it. This coverage is designed to protect you, your passengers and your finances.



