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.

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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.

Mr. DC and Amber have always been available to answer my questions and concerns. I have never doubted that they were working on our side and have had ...

Mr. DC and Amber have always been available to answer my questions and concerns. I have never doubted that they were working on our side and have had our best interest and our well being as a priority. I would recommend them to friends and family. My case had some extenuating circumstances and they both worked diligently to help us. I am very thankful for their service and dedication to us.

M
Michel Lanclos

New Orleans

I had an amazing experience working with my paralegal, Wesley Guillory, at Laborde Earles Law Firm. Wesley went above and beyond for me throughout the...

I had an amazing experience working with my paralegal, Wesley Guillory, at Laborde Earles Law Firm. Wesley went above and beyond for me throughout the entire process. He was always patient, knowledgeable, and quick to respond to any questions I had. What stood out most was how genuinely he cared. He made sure I understood every step and always made me feel supported and informed.

Wesley’s professionalism and compassion truly set him apart. He made a stressful situation so much easier, and I’m incredibly grateful for all of his hard work. I highly recommend Wesley and the entire Laborde Earles team. They really do put their clients first.

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Jaine Fisher

Lafayette

I had the pleasure of working with Erica Ducote, and I cannot say enough about the excellent job she did on my case. From the very beginning, Erica wa...

I had the pleasure of working with Erica Ducote, and I cannot say enough about the excellent job she did on my case. From the very beginning, Erica was professional, knowledgeable, and attentive to every detail. She took the time to explain each step of the process, answered all of my questions thoroughly, and made sure I always felt supported and informed.
Her dedication and attention to detail were clear throughout, and it was evident she genuinely cared about achieving the best possible outcome. Thanks to Erica’s hard work and expertise, my case went smoothly and successfully.
I highly recommend Erica Ducote to anyone in need of a skilled, reliable, and compassionate paralegal. She truly goes above and beyond!

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maddie jo

Marksville

I highly recommend Alexis Davis and this lawfirm. She is the true definition of professionalism, respect, understanding, patient, and many other thing...

I highly recommend Alexis Davis and this lawfirm. She is the true definition of professionalism, respect, understanding, patient, and many other things. Her detailed skills are very delightful. She goes out of her way to check on us, make sure we don't have any questions, and she is always on point. She moves very quick and always goes above and beyond for us to make sure we understand the process. I am so glad I ran into Laborde Earles and Alexis. Everyone will know about this company for sure and Alexis

R
R.S.

Lafayette

Love Laborde Earle's. They're dependable lawyers that let you know you can trust them. I would specifically recommend Derek Hebert. He's a great attor...

Love Laborde Earle's. They're dependable lawyers that let you know you can trust them. I would specifically recommend Derek Hebert. He's a great attorney who is extremely knowledgeable and you'll never doubt that he'll get the job done!

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Kaitlin H.

Renee McCaslin goes above and beyond to help the clients. Her attention to detail is unmatched! Her kind heart and sweet spirit both go a long way in ...

Renee McCaslin goes above and beyond to help the clients. Her attention to detail is unmatched! Her kind heart and sweet spirit both go a long way in making you feel heard and cared for. And, she’s, like, really pretty!

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Sylvia Roy

New Iberia

Jordan is a wonderful paralegal very sweet and helpful good job very professional hold on to her she is a asset to your firm hard worker. Thank you fo...

Jordan is a wonderful paralegal very sweet and helpful good job very professional hold on to her she is a asset to your firm hard worker. Thank you for all your hard work to all the people working on our case.

S
Sandi W.

I am very impressed with Jillie Boone’s professionalism and dedication. She demonstrates excellent communication skills, strong attention to det...

I am very impressed with Jillie Boone’s professionalism and dedication. She demonstrates excellent communication skills, strong attention to detail, and a high level of reliability. Jillie consistently goes above and beyond to ensure that everything is handled efficiently and with care. Her knowledge and work ethic make her an outstanding professional, and I would highly recommend her!

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jazlynn meece

Baton Rouge

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

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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.

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.

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