In Louisiana, uninsured/ underinsured motorist insurance (UM/ UIM) follows the person, not the vehicle. So, if you have UM/ UIM coverage and are involved in a motor vehicle accident where the at fault driver is not insured, you will be covered even if you are not in your own vehicle, or any vehicle at all! But, there may be an exclusion in your UM/ UIM policy which could limit your insurance company’s liability.
The “regular use” exclusion contained in many policies excludes an insurance company from liability when an insured driver uses another vehicle they do not own and is not named on their policy, but which they use regularly. The term “regular use” may apply to a vehicle provided to you by your employer for regular transportation to and from work and for everyday work duties.