PER CURIAM.
The default rule for underinsured/uninsured motorist (UM) coverage is that an insurance policy must provide UM coverage. See La. R.S. 22:1295(1)(a)(i). An insurer is entitled to a presumption that the default rule has been waived, as described in La. R.S. 22:1295(1)(a)(ii) ("A properly completed and signed form creates a rebuttable presumption...
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