What is Uninsured/Underinsured Motorist Coverage?
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