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  • Bulletin No. 08-02 - Louisiana Department Of Insurance - Ldi State La

Get Bulletin No. 08-02 - Louisiana Department Of Insurance - Ldi State La

L A E BULLETIN NO. 08-02 TO: ALL PROPERTY AND CASUALTY INSURANCE COMPANIES FROM: JAMES J. DONELON RE: UNINSURED/UNDERINSURED MOTORIST BODILY INJURY COVERAGE FORM DATE: AUGUST 29, 2008 Background Pursuant.

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Uninsured Motorist Bodily Injury (UMBI): UMBI kicks in when you have medical bills to pay for your own injuries sustained in an accident caused by an uninsured driver. Coverage is up to $15,000 per person in your party, and a total of $30,000 per accident if there are more than two persons.

In Louisiana, each vehicle is required to have 15/30/25 liability limits. Those limits provide payments of $15,000 for bodily injury to one person, $30,000 for bodily injury to more than one person in a single accident, and $25,000 coverage for damage to someone else's vehicle or other property.

Uninsured Motorist Property Damage (UMPD): in Louisiana, you may only purchase UMPD if you do not have collision coverage on the same policy. UMPD kicks in when you are involved in an accident caused by an uninsured motorist, and covers the property damage portion of your loss up to as much as $25,000 per accident.

Louisiana does not require drivers to carry uninsured/underinsured motorist coverage, but if you do have this optional coverage, you could have some coverage against a hit-and-run for bodily injuries only.

Under Louisiana laws, it is illegal for an insurance company to raise your rate or drop you if you file an uninsured motorist claim. In truth, the only way the insurance company can penalize you is if you are involved in an accident, and you are at-fault for the crash.

For most car accident claims, victims have one year to file a lawsuit against the defendant and their insurance company. However, injured drivers have two years to seek uninsured/underinsured motorist coverage under their own insurance policies.

When the negligent driver does not carry liability insurance, your insurance company may attempt to recover damages directly from the at-fault driver. Unfortunately, that person is unlikely to have the financial means to pay for medical expenses and other damages.

Uninsured Motorist (UM) – This is coverage provided to the insured, resident family members, and any other person occupying the covered automobile for bodily injury resulting from an accident involving an uninsured or under-insured driver. This is not a required coverage in Louisiana.

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© Copyright 1997-2025
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Form Packages
Adoption
Bankruptcy
Contractors
Divorce
Home Sales
Employment
Identity Theft
Incorporation
Landlord Tenant
Living Trust
Name Change
Personal Planning
Small Business
Wills & Estates
Packages A-Z
Form Categories
Affidavits
Bankruptcy
Bill of Sale
Corporate - LLC
Divorce
Employment
Identity Theft
Internet Technology
Landlord Tenant
Living Wills
Name Change
Power of Attorney
Real Estate
Small Estates
Wills
All Forms
Forms A-Z
Form Library
Customer Service
Terms of Service
DMCA Policy
About Us
Blog
Affiliates
Contact Us
Privacy Notice
Delete My Account
Site Map
All Forms
Search all Forms
Industries
Forms in Spanish
Localized Forms
Legal Guides
Real Estate Handbook
All Guides
Prepared for You
Notarize
Incorporation services
Our Customers
For Consumers
For Small Business
For Attorneys
Our Sites
US Legal Forms
USLegal
FormsPass
pdfFiller
signNow
airSlate workflows
DocHub
Instapage
Social Media
Call us now toll free:
1-877-389-0141
As seen in:
  • USA Today logo picture
  • CBC News logo picture
  • LA Times logo picture
  • The Washington Post logo picture
  • AP logo picture
  • Forbes logo picture
© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232