• About
    • Our Attorneys
    • Verdicts and Settlements
    • Community
      • Sponsorship Request
      • Partnerships
      • Project Backpack
    • Testimonials
    • Scholarships
      • Cancer Scholarship
    • Careers
    • Our Core Values
  • Practice Areas
    • Car Accident
    • Truck Accident
    • Motorcycle Accident
    • Product Liability
    • Mesothelioma
    • Workers Compensation
    • Dog Bite
    • Slip and Fall
    • Wrongful Death
    • Maritime Injury
    • Pedestrian Accident
    • Dangerous Drugs
    • Defective Devices
    • Mass Torts
    • Premises Liability
    • View All Practice Areas
  • Areas we Serve
    • Lafayette
    • Alexandria
    • New Iberia
    • Marksville
    • New Orleans
    • Monroe
    • Arnaudville
    • Baton Rouge
    • Breaux Bridge
    • Broussard
    • Cankton
    • Carencro
    • Cecilia
    • Duson
    • Cade Coteau
    • Grand Coteau
    • Lake Charles
    • Opelousas
    • View All Areas We Serve
  • Resources
    • Blog
    • FAQs
    • Videos
    • For Referring Attorneys
  • Hurricanes
  • Contact Us
Available 24/7 • 365 Days (337) 777-7777 Hablamos Español
(337) 777-7777 Hablamos Español
No Win - No Fee AVAILABLE 24/7

What Is Third-Party Insurance?

Put 350 Years of Experience in Your Corner GET A FREE CASE EVALUATION
Your Voice is Our Voice
Attorney David Laborde | Attorney Digger Earles
  1. Home
  2. FAQs
  3. What Is Third-Party Insurance?
On This Page
  1. What Damages Can I Recover From Third-Party Insurance?
  2. Get a Free Case Review Today
Contact Us Today

Get The Help
You Need

I NEED HELP NOW

Your personal injury lawyer can help you calculate your recoverable damages, which may include:

  • Medical Bills
  • Income Loss
  • Property Damage
  • Pain & Suffering
  • Emotional Distress
  • Lasting Disfigurement
What Is Third-Party Insurance?

An example of third-party insurance in a car accident case is when the at-fault driver’s insurance company covers your expenses and losses. They will pay the compensation you are awarded through settlement negotiations or in court. In this case, the insured driver is the first party, their insurer is the second party, and you, as the claimant, are the third party.

Our personal injury team will explain what third-party insurance is and how you seek compensation from someone else’s coverage after an accident. We can help you create a detailed list of your recoverable expenses and their individual and collective values. We can also lead the negotiation process from start to finish and help you make a well-informed decision that leads to a favorable financial outcome for you.

What Damages Can I Recover From Third-Party Insurance?

If you are injured, your property is damaged, or a loved one is fatally injured in a car accident, the at-fault party and their insurer are responsible for the following recoverable damages: 

  • Medical care from the accident scene until your recovery is deemed complete
  • Income loss from the time of the accident until you can safely return to work
  • Repairs to your car or its replacement value when deemed a total loss
  • In-home medical and domestic support until your recovery is complete
  • Physical disability and impairment, and mental and emotional pain and suffering

Our car accident attorneys can help you carefully track all aspects of the accident’s financial aftermath. We will also request a copy of your employment record, car accident report, and your medical records and bills from every health care provider and facility involved in your treatment plan. 

CTA CTA

Laborde Earles injury was great for me they took care of me very fast and professional. If for any reason I need legal help they will be who I use.

Client
Call Us Today We Are Here For You
(337) 777-7777

How Long Do I Have to Settle My Compensation Case?

No one can predict the length of time it will take to reach a settlement agreement with the insurance company. It will depend on how long it takes to collect and present your evidence. It will also depend on you, in part, because you will make the final decision to accept or reject each monetary offer you receive.

One part of the post-accident timeline is clear because the state decides how long you have to file a lawsuit. In Louisiana, you have two years to file a personal injury lawsuit, according to CC Art. 3492. Similarly, you have two years to file a wrongful death lawsuit if you lost a family member in the accident, according to CC Art. 2315.2. 

CTA CTA

I thank God for Digger & David. I don’t know what we would have done if it hadn’t have been for them.

Rick Smith | Client
Contact Us Today We want to be there for you

What If the At-Fault Driver Was Uninsured?

According to Louisiana Department of Insurance (LDI) guidelines, registered vehicle owners in the state are not required to have uninsured or underinsured motorist coverage. These types of coverage are optional but a good idea, as they provide an added layer of protection if the driver who caused your accident:

  • Did not have insurance at all: If your insurance includes uninsured motorist (UM) protection, we can help you seek compensation from your own insurer.
  • Had insurance, but not enough to cover your losses: If your insurance policy includes underinsured motorist (UIM) protection, your policy could cover the remaining expenses the third-party insurance did not cover.

Inform one of our team members right away if you have either or both of these policy add-ons in place. If the at-fault driver’s insurance cannot meet the cost of your expenses and losses, we will not hesitate to help you explore these additional compensation avenues.

CTA CTA

The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.

Client
Call Us - (337) 777-7777 We are here when you need us the most

Our Client-Focused Team Is On Your Side

Clients we helped in the past had this to say about working with our team to recover damages:

  • “My “thank you” seems so small compared to all Mallory has done, but it comes from my heart. I absolutely will always have her, your, number for anything that may come up. I will also always direct people to her, you…she is amazing.” – Lynn Warner
  • “The staff at Laborde & Earls is top notch. To the attorneys that handled my case (Kelby & Scott) to all the paralegals and other staff that assisted me with my case, all were awesome. Would highly recommend!!” – Kyle
  • “Laborde Earles went above and beyond my expectations. Great experience overall. They understand their clients and my needs were put first. I can’t say enough about them, especially Kim Fontenot, she went the extra mile and was so reliable… I would highly recommend this firm.” – Brenda Lott

We strive to make all our clients feel welcome, supported, and confident in their cases. You can learn more about our client-centered approach to personal injury cases on our testimonials page or in our Google reviews.

CTA CTA

They treated us like no other people would. Whenever we needed something they were there for us. I put my trust in them and I don’t regret it.

Client
Contact Us Today We will work to get you the best outcome for your case

Get a Free Case Review Today

If you were in a car accident in Louisiana, our team at Laborde Earles Injury Lawyers can help you seek compensation through a third-party claim or a lawsuit. Learn more about third-party insurance and your right to compensation by contacting our firm at (337) 777-7777 today. We review these cases for free.

Car Accident Blog Posts:
I-10 Basin Bridge Speed Limit Change Addresses Safety Issues

I-10 Basin Bridge Speed Limit Change Addresses Safety Issues

The Louisiana Department of Transportation and Development (DOTD) changed the I-10 Basin Bridge speed limit to 60 miles per hour for all motorists. They also implemented "your speed" feedback signs to...

Laborde Earles to Represent the Hall Family’s Fatal Crash Lawsuit Against Kyren Lacy

Following a tragic collision in December on LA 20, attorney Digger Earles of Laborde Earles will represent the Hall family as they pursue compensation for the wrongful death of Herman Hall, 78. The...

Why We Are

The Best Choice For You

Over 1,000+ 5-Star Google Reviews Across Our Locations
Over $1 Billion Recovered For Our Clients
An Award-Winning Team in Your Corner
You Get the Full Team on Your Case, Including David & Digger
Communication with You is a Top Priority
We Give Back to Our Communities

No Fee Unless We Win Your Case

Available 24 hours a day • 7 days a week
GET YOUR FREE CASE EVALUATION
Car Accidents FAQ:
What to Do if My Head Hurts After a Car Accident? What to Do if My Head Hurts After a Car Accident?

Get medical attention if your head hurts after a car accident. Call 911, and medical professionals will travel to the scene to evaluate and treat your head trauma and any other injuries. In the days

Should I Go to the Hospital After a Car Accident Even if I’m Not Hurt? Should I Go to the Hospital After a Car Accident Even if I’m Not Hurt?

  You should go to the hospital after a car accident even if you are not hurt. According to Johns Hopkins Medicine research, our bodies react to stress by producing a surge in adrenaline,

How Long After a Car Accident Can Injuries Appear? How Long After a Car Accident Can Injuries Appear?

Car accidents are chaotic and frightening. Many car accident victims do not realize the extent of their injuries until the accident is over and they are back home. Sometimes, injuries may not become

Contact Us Form
CONTACT US TODAY NO WIN, NO FEE GUARANTEE
Name(Required)
Name(Required)
Untitled
Untitled

FAQ Categories
  • Accidents in Intersection
  • Bicycle Accident
  • Car Accidents
  • Defective Product
  • Dog Bite
  • Head Injury
  • Hurricane Damage
  • Jones Act
  • Knee Injury
  • Maritime Injury
  • Medical Malpractice
  • Mesothelioma
  • Motorcycle Accidents
  • Neck Injury
  • Pedestrian Accidents
  • Personal Injury
  • Premises Liability
  • Rear End Collisions
  • Rideshare Accidents
  • Robocalling
  • Sexual Abuse
  • Slip and Fall Injury
  • Spinal Cord Injury
  • Traumatic Brain Injury
  • Truck Accidents
  • Whiplash Injury
  • Workers' Compensation
  • Wrongful Death
  • Zantac

 

Frequently Asked Questions
What Does the FDA Say About Zantac? What Does the FDA Say About Zantac?
How Can I Prove Emotional Distress? How Can I Prove Emotional Distress?
Who Is at Fault in a Merging Accident? Who Is at Fault in a Merging Accident?
Find Yourself a Passionate Lawyer Now!
  • Cankton Personal Injury Lawyer
  • Slidell Personal Injury Lawyer
  • Duson Personal Injury Lawyer
  • Abbeville Personal Injury Lawyer
  • Seadrift Personal Injury Lawyer
  • Pineville Personal Injury Lawyer
  • Erath Personal Injury Lawyer
  • Ville Platte Personal Injury Lawyer
  • Meaux Personal Injury Lawyer
  • Terrytown Personal Injury Lawyer
How can we help you

How We Can Help You

Let our injury attorneys help you maximize the compensation you deserve to turn your life back around.


Contact us today if you want to tell us about your accident. We have someone available to discuss your situation at all times of the day.

Contact Us

(337) 777-7777

FREE Case Evaluation

No Win - No Fee
Name(Required)
Name(Required)
Email Opt In
SMS Opt in

Contact Us

(337) 777-7777

OFFICE LOCATIONS

Lafayette
1901 Kaliste Saloom Rd,
Lafayette, LA 70508

Phone : (337) 777-7777

Alexandria
100 Versailles Blvd, Suite A,
Alexandria, LA 71303

Phone : (318) 777-7777

Marksville
306 North Washington Street, Suite A,
Marksville, LA 71351

Phone : (318) 310-8922

New Iberia
230 W. Main Street,
New Iberia, LA 70560

Phone : (337)-547-2777

Lake Charles
530 E College St,
Lake Charles, LA 70605

Phone : (337) 612-6909

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

Phone : (504) 777-7777

Baton Rouge
660 St Ferdinand St,
Baton Rouge, LA 70802

Phone : (225) 777-7777

Practice Areas

  • Bicycle Accident
  • Car Accident
  • Dangerous Drugs
  • Dog Bite
  • Maritime Injury
  • Mass Torts
  • Motorcycle Accident
  • Pedestrian Accident
  • Premises Liability
  • Product Liability
  • Toxic Torts
  • Truck Accident
  • Slip and Fall
  • Wrongful Death

About Links

  • Our Attorneys
  • Verdicts and Settlements
  • Community
  • Testimonials
  • Scholarships

Leave a Review

  • LAFAYETTE
  • ALEXANDRIA
  • MARKSVILLE
  • NEW ORLEANS
  • NEW IBERIA
  • LAKE CHARLES
  • BATON ROUGE

Copyright © Laborde Earles Injury Lawyers 2025.
All Rights Reserved.

Disclaimer / Privacy Policy / Sitemap

Hennessey-Digital-Badge