Louisiana Supreme Court Holds Public Policy Prohibits Application Of “Regular Use” Exclusion In UM Policy
New Orleans, La. (March 25, 2021) - The Louisiana Supreme Court, reversing multiple lower circuit court decisions, has now invalidated the "regular use" exclusion in an Uninsured/Underinsured Motorist (UM) policy based on Louisiana public policy. In Higgins v. La. Farm Bureau Cas. Ins. Co., No. 2020-01094 (La. 3/24/21), the plaintiff, Charles Higgins, was injured in an automobile accident while operating a truck owned by his employer, AT&T. Because his employer did not carry UM coverage on the truck, [...]