What must an insurer offer Judy, who applied for an auto liability policy with limits of 100/300/100?

An insurer is required to offer uninsured motorist (UM) coverage in amounts that match the liability limits of the policy applied for by the insured. In this case, Judy applied for an auto liability policy with limits of 100/300/100, which means she has liability coverage of $100,000 for bodily injury per person, $300,000 for total bodily injury per accident, and $100,000 for property damage.

Offering UM coverage at the same limits is important because it protects Judy in the event she is involved in an accident with a driver who does not carry insurance. By offering this level of coverage, the insurer ensures that Judy has adequate protection that parallels her liability coverage, aligning with regulatory standards in many states, including Louisiana. This requirement is to ensure that consumers have the option for comprehensive protection that matches their existing liability coverage, thereby safeguarding their interests on the road.

Other options do not align with the regulatory requirements for insurers regarding UM coverage. Discounts on premiums or higher limits without additional fees would not fulfill the obligation regarding UM coverage. Additionally, while additional coverage may be offered, it is not mandated by law. Thus, the correct answer emphasizes the insurer's duty to provide adequate UM coverage reflective of the auto liability policy limits.