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Form 945-A online Baton Rouge Louisiana: What You Should Know

Uninsured Motorist Act (UCLA) — Motor Vehicle Code Title 14 Section 1055, Louisiana Traffic Law Title 7 Section 456, State Police Transportation Law Uninsured Motorist Act (UCLA) — Motor Vehicle Code Title 14 Section 1055, Louisiana Traffic Law Title 7 Section 456, State Police Transportation Law Louisiana law requires you to tell your insurance carrier in writing that you have an uninsured motorist coverage. MWA covers automobile drivers and passengers in Louisiana for property damage and medical costs, while uninsured motorist protection provides for the payment of those expenses and the payment of up to twice the car owner's actual damages. Please call for the name and telephone number of the insurance issuer required to receive this notice. Uninsured Motorist Protection State law requires insurers to offer uninsured motorist coverage. MWA protects individuals and businesses against property damage and injuries when their automobile is not driven or operated in accordance with the law and the use of the insured's vehicle is in violation of an applicable statute, rule, regulation, ordinance, and direction of law. In Louisiana, MWA requires the following: Insurance Coverage You must purchase automobile insurance. Your policy will have MWA coverage. You must report any uninsured motorist claims you made to your insurance carrier. You must keep MWA insurance in good standing for the life of your insurance policy. Insurance coverage must be in the name of the person named on the policy. If you do not have full control of your policy, you cannot use it to cover the liability of another person. Louisiana has a “no fault” rule that requires all drivers to have liability insurance, regardless of age, disability or driving record. Under this rule you cannot use MWA coverage for your bodily injury or death benefits at all; no MWA coverage is available to you even when you are under age 65. This rule applies even if both the automobile involved in the accident, and you are under age 18. The MWA carrier is considered the insurer and is responsible for paying your claims, even if you were not legally responsible for the accident. You are solely liable to pay your uninsured motorist claims. Your insurance carrier is required to report to the MWA carrier any damage claims you make against a third party. See Louisiana Transportation Code Title 14 Section 1059 — Coverage Required.

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