When you buy car insurance, possibly the most important coverage you can buy is Uninsured Motorist coverage, or “UM”. It’s the insurance that covers YOU if the person that hits you doesn’t have any or enough liability coverage to compensate you for your injuries.
In Louisiana, it’s automatically included at a very low price unless you reject it- which is exactly why many insurance companies don’t want to sell it to you. Be careful when your insurance agent gives you documents to sign when buying a new policy or changing your existing one. You may just be signing your rights away.
Click on this link to view the form. If you see this, don’t sign it!
In order to have a valid rejection, you must initial your choice and sign the form. If the rejection is not valid, then you will automatically have UM in the same dollar amount as your liability coverage.
When using a printed form, it is fairly easy to identify if the form is defective. In one recent case, I was able to determine through the use of a handwriting expert that my client’s signature was a forgery. It resulted in my client receiving almost $1,000,000.00 in additional money.
It’s much harder to prove that a UM rejection form is invalid when the policy is purchased online. That’s because electronic signatures, while valid in Louisiana, are simply typed signatures and cannot be analyzed by a handwriting expert. However, they too can be defeated by analyzing the process in which the policy was purchased.
If you have any questions, please contact our office and we will be happy to review your insurance policy for free.