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.

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.

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

Eryn Laughlin is a good employee, we love her!

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anonymous

Car Accident

At the very first meeting with Alexis and Danielle they took the time to explain everything to us so that we understood what we were going to go throu...

At the very first meeting with Alexis and Danielle they took the time to explain everything to us so that we understood what we were going to go through. They checked in on us to see how things were going with DR appointment and therapy. They checked in on the phone or by text and if I had a question and I was in Lafayette and I would stop by the office one of them would come to answer my questions. I truly appreciate the response and respect that they showed to me and my husband and I would really recommend them to family and friends.

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Hazel G.

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 ...

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Michel Lanclos

New Orleans

Elizabeth Lachney was super helpful in explaining a lot of things i didnt understand about my case. Very respectful and seemed so welling to help me! ...

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skylar bachman

New Iberia

I highly recommend Derek Hebert to anyone in need of a skilled and trustworthy attorney. From the very beginning, Derek was professional, honest, and ...

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His attention to detail, strong communication, and genuine dedication made a stressful situation much easier to navigate. Derek went above and beyond to achieve the best possible outcome, and I’m truly grateful for his hard work.

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Lafayette

Renee McCaslin is incredibly knowledgeable, professional, and always goes above and beyond to make the legal process smooth and stress-free. I truly a...

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Courtnie Heltz

New Orleans

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...

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kelly

Lake Charles

Syntera was Very professional and courteous. Answered my concerns.

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Lisa G.

I was very pleased with the attention and detail that was given by Karely with Laborde Earle’s Injury lawyers. She answered all of my questions ...

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Gail

Baton Rouge

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

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Tiffany Bardwell

New Iberia

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.

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

Working with Laborde Earles Injury Lawyers was an incredible experience from beginning to end. Jeanne and Kaitlyn were absolutely amazing - profession...

Working with Laborde Earles Injury Lawyers was an incredible experience from beginning to end. Jeanne and Kaitlyn were absolutely amazing - professional and always on top of everything. They kept me informed throughout the entire process and made sure I understood every step along the way. My case was resolved better than expected. I can’t thank them enough.

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Melody Johnson

New Orleans

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!

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Alexandria

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Marksville

Over the past 3 years I have encountered one of the best Law Firms in Laborde Earles Injury Lawyers which have been handling my Lejeune Contaminated T...

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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...

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Kaitlin H.

Toni is an absolute professional. She consistently goes above and beyond for her clients, ensuring every detail is handled with care and precision. He...

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Mimi

Lake Charles

I highly recommend hiring Laborde Earles for your personal injury needs. They have the most professional, friendly and communicative staff who are gua...

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Patrick Conner

Baton Rouge

Courtney Marsh has a positive attitude and great attention to detail in her work!

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Annabelle D.

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...

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Lafayette

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Toni at LE is seriously so dedicated and a hard worker! LE is lucky to have this chick. She's so sweet but a little spicy (in a good, funny way!) which is always a breath of fresh air to be around someone who is genuine. She's a doll and anyone who comes into contact with her is a lucky one!

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Hannah Johnson

Baton Rouge

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...

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Tracie Martin

Alexandria

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

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R.S.

Lafayette

Bridgette is absolutely phenomenal! She's one of the most professional, knowledgeable, and dedicated paralegals I've ever had the pleasure of working ...

Bridgette is absolutely phenomenal! She's one of the most professional, knowledgeable, and dedicated paralegals I've ever had the pleasure of working with. Her attention to detail is unmatched.
She catches things most people would overlook, and she always makes sure every document is perfect before it leaves her hands.
Beyond her incredible skill set, Bridgette is also kind, reliable, and a true team player. She communicates clearly, stays organized under pressure, and goes above and beyond to make sure clients and attorneys alike feel supported.
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Brittany Johnson

Alexandria

Stephanie Brooks was wonderful to work with! She was very professional during our interaction and extremely pleasant throughout the entire process. He...

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Jenifer Leger Dendy

Lafayette

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Baton Rouge

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maddie jo

Marksville

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!

T
Tracie M.

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 ...

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Sylvia Roy

New Iberia

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

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Melanie B.

I’m so grateful for the help I received from Renee McCaslin. From start to finish, they were kind, professional, and truly cared about my situat...

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Rosann Roberts

Lake Charles

Courtney Marsh is professional and passionate about her clients! Her communication skills are top notch and she has been amazing to work with! She is ...

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Tori E.

Jourdan is an outstanding paralegal! She is knowledgeable, organized, and truly cares about the clients she works with. Every interaction I’ve h...

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Matt Picard

New Orleans

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!

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Megan C.

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.

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Sandi W.

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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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