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Uninsured/Underinsured Motorist coverage pays benefits to you if your car is hit by a driver who has no insurance or too little insurance to pay for the full amount of your injuries or property damage. If you have Uninsured/Underinsured Motorist coverage, any bodily injury you or an occupant of your vehicle suffers due to an accident caused by another driver is covered under this policy. Hit-and-run drivers may be classified as uninsured motorists, but it helps if there is a disinterested witness to the accident. *Louisiana Department of Insurance Consumer Guide
Comprehensive coverage pays for specified damages to your automobile, such as those resulting from falling objects, flood, fire, explosion, vandalism, theft or additional named causes other than collision, subject to any exclusions or limitations specified by your policy. *Louisiana Department of Insurance Consumer Guide