Is UM coverage worth the money? Many agents may tell you are "fully insured" when you only have liability insurance to cover you when you cause an accident. UM coverage helps you when the other guy hurts YOU and they don't have insurance or not enough, which happens often. I have advised clients in the past that UM is worth the premium cost if you can afford it. AND, your rates should not go up in Louisiana if you aren't at fault. Some people are afraid to use their UM coverage, but using it is why you buy it. All too often I see cases where there isn't enough insurance to cover your injuries.
This week, a client experienced the very issue of having been injured by a driver with little liability insurance. Luckily, he had a reasonable UM policy in place before the accident occurred and I was able to obtain a reasonable injury tender of money to help him early on in the process and keep fighting for the rest.
Every case is different. Please reach out with any questions.