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U/M is not as much a problem as the other cause. If you are in Orleans Parish or even Jeff.Parish now it is if you get in any accident it really doesn't matter if it is the other guys fault. You may very well pay for his meds.
I worked claims there for many years. Going to court is akin to hitting the lottery for these people. Juries are VERY GENEROUS. Judges are not much better for the most part.
I don't know but I think La is still what is called pure comparative fault.
Presently, thirteen (13) states follow a pure comparative negligence system: Alaska, Arizona, California, Florida, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, New York, Rhode Island, South Dakota, and Washington. In a pure comparative negligence system, a judge or jury assigns a percentage of fault to each responsible party and then apportions the damage award accordingly. Using this system, an injured person may recover his or her damages even if the injured person was 99% at fault in causing the injury, with those damages reduced by his or her portion of the fault. BTW plaintiff is never given much of a % of fault in an accident.
The plaintiff always has some sort of back injury which will require surgery. 100K min. in most cases.
That is why rates in La are so high. Accidents are common and plaintiff bar members rake it in. AKA ambulance chasers.