re: Louisiana has nation’s second-highest car insurance rates, report says

Nowadays, the majority of companies offering health insurance do so by having extremely high deductible health insurance plans. Hell, the last plan I was on had a family deductible of approximately $7500.00. And that resets every year. That comes out of pocket before the co-pays kick in.

So even with health insurance, you could be on the hook for the first $7500.00. Then, on top of that, add lost time from work not covered under a disability policy, and on top of that, the pain and suffering portion of what you might have to deal with having a substantial injury. There's no way I waive U/M when it's so affordable, and makes up so many gaps.