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Helping Victims of Uninsured and Underinsured Drivers Across Louisiana

Finding out the driver who hit you does not have insurance can be overwhelming. You may be dealing with injuries, car repairs and growing medical bills. When the at fault driver cannot pay for the damage they caused, you still have options. Many Louisiana drivers have coverage that can protect them in this exact situation, even if they did not realize it at the time of the crash.

Laborde Earles Injury Lawyers helps uninsured motorist accident victims across Louisiana, serving communities near our offices in Lafayette, Alexandria, Marksville, New Iberia, Lake Charles, Baton Rouge and New Orleans. Our attorneys understand how confusing uninsured motorist claims can be and we are here to guide you through each step of the process.

car in a fender bender

Understanding Uninsured and Underinsured Motorist Coverage

Uninsured motorist coverage, often called UM coverage, protects you when the at fault driver has no insurance. Underinsured motorist coverage, sometimes called UIM coverage, applies when the driver has insurance but not enough to cover your losses.

Louisiana law requires auto insurers to offer UM and UIM coverage, and many people carry it without realizing it. This coverage is designed to protect you, your passengers and your finances.

Why Uninsured Motorist Claims Are Different

An accident with an uninsured or underinsured driver is not handled like a typical car accident claim. Instead of filing directly against the other driver, you often file a claim with your own insurance company. Even though you are working with your own insurer, they may still challenge or undervalue your claim. Uninsured motorist cases can involve:

  • Disputes about the severity of injuries
  • Questions about what coverage applies
  • Delays from the insurance company
  • Attempts to reduce or deny payment
  • Confusing policy language
  • Multiple layers of coverage

Our attorneys help you understand your policy and make sure your insurer honors the coverage you have paid for.

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Common Causes of Uninsured Motorist Accidents

Uninsured and underinsured drivers are more common than many people realize. These crashes can happen anywhere and for many of the same reasons as other collisions, but they often involve drivers who were already ignoring important responsibilities.

Uninsured motorist crashes may involve:

  • Drivers who let their policies lapse
  • New drivers who never purchased coverage
  • Out of state drivers with limited policies
  • Drivers avoiding payment due to prior accidents
  • Hit and run drivers who are later identified
  • Drivers carrying only minimum state limits

No matter the situation, you deserve guidance about the options available to you.

Injuries Common in Uninsured Motorist Crashes

These collisions can cause the same injuries seen in other types of accidents. The difference is not in the injury, but in how the victim must navigate the claims process. Injuries may require ongoing treatment and careful documentation to support your UM or UIM claim. Injuries may include:

  • Back and neck injuries
  • Concussions
  • Shoulder and arm injuries
  • Soft tissue injuries
  • Joint injuries
  • Broken bones
  • Emotional trauma after the crash

We help ensure your injuries are documented in a way that supports your claim and reflects the full picture of your recovery.

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How We Build a Strong Uninsured Motorist Case

A successful UM or UIM claim requires evidence that clearly shows how the accident happened, what injuries resulted and why the coverage applies. We gather and organize the information needed to make your case as strong as possible. Helpful evidence may include:

  • Accident reports
  • Photographs from the scene
  • Medical records
  • Bills and treatment plans
  • Witness statements
  • Insurance policy details
  • Repair estimates
  • Vehicle inspection information

We also review your insurance policy closely to determine all forms of coverage you may be entitled to use.

Compensation Available Through Uninsured Motorist Coverage

Even when the at fault driver cannot pay, uninsured motorist coverage may still allow you to recover compensation that reflects the full impact of the accident.

Compensation may include:

  • Medical expenses
  • Follow up care and rehabilitation
  • Lost wages
  • Reduced future earning ability
  • Pain and suffering
  • Vehicle repair or replacement
  • Additional expenses related to treatment

Our attorneys work to ensure your compensation accurately reflects both your immediate needs and your long term recovery.

Why Victims Choose Laborde Earles for UM and UIM Claims

Uninsured motorist cases can feel discouraging, but you do not have to manage them alone. Our team understands how frustrating it is to be hurt by a driver who failed to carry insurance and then face resistance from your own insurer. Clients trust our firm because we provide:

  • A free consultation
  • No payment unless we win
  • Guidance on understanding your policy
  • A full team committed to your case
  • Strong communication from start to finish
  • Local knowledge of Louisiana insurance laws
  • Offices across the state for convenience

We are here to support you and help you take back control after a difficult situation.

What to Do After an Uninsured Motorist Accident

The steps you take after an uninsured motorist crash can help support your claim and protect your rights. If you are able, consider:

  • Calling law enforcement
  • Getting immediate medical care
  • Taking photos of the scene
  • Collecting witness information
  • Reporting the accident to your insurer
  • Keeping all medical documentation
  • Speaking to Laborde Earles before giving recorded statements

These steps make it easier to submit a strong claim and reduce the risk of disputes.

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Client Testimonials Hear from locals like you.

Toni is the absolute BEST!!!! Not only is she the best paralegal but she’s also the best person I know. She is so intelligent, knowledgeable, ca...

Toni is the absolute BEST!!!! Not only is she the best paralegal but she’s also the best person I know. She is so intelligent, knowledgeable, caring, and goes above and beyond for everyone in her life. She is a true gem! To know her is to love her!! Anybody would be lucky to have someone like Toni in their corner.

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Sarah Jorden

Marksville

Elizabeth Lachney I absolutely hands down the best. She is very professional, knowledgeable and most importantly she is very respectful. She is one re...

Elizabeth Lachney I absolutely hands down the best. She is very professional, knowledgeable and most importantly she is very respectful. She is one reason why we use Laborde Earles Law Firm. They make you feel like family!

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Tiffany Bardwell

New Iberia

I just want to say that Kelby is a wonderful Attorney and will do what ever it takes to make sure you are taking care of. And his Team of Paralegal's,...

I just want to say that Kelby is a wonderful Attorney and will do what ever it takes to make sure you are taking care of. And his Team of Paralegal's, Amber, Toni, Debbie, Alana & Erica are absolutely amazing. You couldn't have ask for better. And to Rachael, she was so sweet the other day when I needed some information about when my advance was going to be ready. Thank you Laborde Earle's Law Firm for always being the Best.

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Lauren O'Quinn

New Orleans

They have good to keep me updated on the case but so far the settlement has not been reached.

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Lisa S.

Michelle Brouillette is a wonderful addition to the Laborde Earles team.

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Melanie B.

Working with Toni Stelly has been a great experience. She is compassionate and listens to me when I have a concern or need some information. Toni is q...

Working with Toni Stelly has been a great experience. She is compassionate and listens to me when I have a concern or need some information. Toni is quick to respond to my questions and gets things done!! Good experience working with this firm.

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kelly

Lake Charles

Michelle Brouillette is always so pleasant whenever I call or stop by the office. She always has a smile on her face.

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Christine G.

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs...

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs. Courtney. I spoke with her multiple times, and each time she was patient and answered every question I had. She made me feel like I was the only client. Grateful for her and Laborde Earls!

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Tracie Martin

Alexandria

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking...

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking with Mrs. Marsh today. She was extremely knowledgeable in addition to being patient and empathetic. She was able to provide me with the necessary resources and provided me with encouragement throughout the process. I definitely recommend Laborde Earls! Ask for Courtney!

M
Megan Couvillon

Alexandria

Over 1,700 5-Star Reviews

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Louisiana Uninsured Motorist Clear Answers to Important Questions

Can I still file a claim if the other driver never had insurance?

Yes. Your own UM coverage may apply even when the at fault driver has no insurance at all.

What if my injuries cost more than my UM limits?

You may have multiple layers of coverage. We can help determine if additional policies apply.

Will my insurance premiums go up?

Your premiums should not increase simply because you used UM coverage. Each situation is unique and we can review your policy with you.

Do I need to prove the other driver was uninsured?

Yes, but we help gather the documentation needed to confirm this.

What if the other driver fled the scene?

If the driver is never identified, your UM coverage may still apply.

Do you have more questions?

Our team is here to answer every question about your case—clearly and honestly.

(337) 777-7777 Call Us 24/7

Speak With a Louisiana Uninsured Motorist Accident Lawyer

You do not have to face the aftermath of an accident with an uninsured driver on your own. Laborde Earles Injury Lawyers is here to guide you, answer your questions and help you pursue the compensation available under your policy. Contact us today for a free consultation and learn how we can support you as you move forward.

Our Locations Find Your Local Office

Lafayette

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1901 Kaliste Saloom Rd.
Lafayette, LA 70508

 (337) 777-7777
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Alexandria

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100 Versailles Blvd, Suite A,
Alexandria, LA 71303

 (318) 777-7777
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Marksville

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306 N Washington St. Suite A,
Marksville, LA 71351

 (318) 310-8922
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New Iberia

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230 W. Main St.
New Iberia, LA 70560

 (337) 547-2777
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Lake Charles

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530 E. College St.
Lake Charles, LA 70605

 (337) 612-6909
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Baton Rouge

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660 St. Ferdinand St.
Baton Rouge, LA 70802

 (225) 777-7777
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New Orleans

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821 Baronne St. Suite D.
New Orleans, LA 70113

 (504) 777-7777
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