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.

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.

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

I highly recommend Derek Hebert to anyone in need of a skilled and trustworthy attorney. From the very beginning, Derek was professional, honest, and incredibly responsive. He took the time to explain every step of the process in clear terms and always made sure I felt informed and supported.

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.

If you’re looking for an attorney who is knowledgeable, reliable, and truly cares about his clients, Derek Hebert is an outstanding choice.

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Brylan Cormier

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.
You can tell she genuinely cares about her work and the people she helps.
If you're lucky enough to have Bridgette as your paralegal, you're in the best possible hands. Five stars isn't enough for someone this exceptional!

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Brittany Johnson

Alexandria

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!) whic...

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

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...

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 Toxic Water Claim. Mr. John Chaillot has been instrumental in advising me on documentation, timelines, and all matters pertaining to my case. A true professional and appreciated. Thank you.

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Stephan C.

I am able to witness Karely Cornwell handle calls from people who are in need of Laborde Earles services. She is always polite and professional. I thi...

I am able to witness Karely Cornwell handle calls from people who are in need of Laborde Earles services. She is always polite and professional. I think it’s safe to assume that the majority of people who call in are stressed and to have someone who is calm and kind taking the call is a great representation of the company.

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Debbie Fontenot

Marksville

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

Toni is an absolute professional. She consistently goes above and beyond for her clients, ensuring every detail is handled with care and precision. Her communication is clear, and she truly cares about delivering results. I couldn’t recommend her more highly!

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Mimi

Lake Charles

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

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Rhonda C.

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...

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 situation. They made everything easy to understand and handled every detail with care. I felt supported the whole way through. I highly recommend Renee McCaslin to anyone looking for a paralegal who goes above and beyond.

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Rosann Roberts

Lake Charles

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.

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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