Can Your Louisiana Auto Insurer Raise Your Rates After a Not‑At‑Fault Wreck or UM Claim? (The Law Says No.)
Last updated: February 14, 2026 We hear it all the time. I don’t want to sue my UM/UIM insurer because I don’t want my insurance rates to go up. Many people even hesitate to open a claim—especially an uninsured/underinsured motorist (UM/UIM) claim—because they’ve heard: “If you use your own insurance, your rates will go…