re: Have you ever personally known anyone who caused an accident as an uninsured motorist?

quote:

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No uninsured motorist as part of your insurance?

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You can't have uninsured motorist property damage if you have full coverage (comprehensive and collision) in Louisiana. You can get UM bodily injury which will help if you or a passenger gets injured and needs to go to the hospital and covers lost wages as well. So still a good thing to have but that's not gonna cover his door.

I'm assuming he has full coverage so the door would need to be filed on his own insurance and be subject to whatever his collision deductible is. If he only has liability then he could have gotten and maybe has UMPD which has a $250 deductible.

Most people have a $500 collision deductible anyway so honestly the difference is usually "only" $250 between the two coverages. Yeah I know ideally you shouldn't have to pay anything for an accident that's not your fault but unfortunately that's the world we live in