All auto policies delivered in the state of Louisiana must include Economic and Non-Economic Uninsured Motorists Bodily Injury at limits equal to the liability limits of the policy unless the coverage is rejected by the insured. Split limits are used just as with liability coverage. This coverage will pay actual damages to your vehicle if it is hit by an uninsured motorist. Unlike uninsured motorists bodily injury coverage, UM PD is not required by state law. Medical Payments Medical payments pays actual medical expenses for people in your vehicle when involved in an accident.
Payment is limited to the actual expenses up to the policy limit for each person injured.
This pays for damage to your car that is caused by anything other than collision or overturn of the vehicle. Generally contact with an animal is also covered under comprehensive. The coverage pays up to the actual cash value of your car less the deductible. The higher your deductible, the lower your premium. This pays for damage to your car when you hit something or the car overturns.