• 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 an Insurance Claim?

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 an Insurance Claim?
On This Page
  1. Common Types of Insurance Claims
  2. What Evidence Do You Need to Support an Insurance Claim?
  3. What if the Insurer Will Not Offer a Fair Settlement for Your Damages?
  4. Hiring a Lawyer to Help with Your Louisiana Insurance Claim
  5. Talk To Laborde Earles Injury Lawyers About Your Claim for Free
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 an Insurance Claim?

An insurance claim is the most common way to secure financial recovery following a personal injury accident. In many cases, victims of injury accidents can settle with the insurer and avoid taking their case to trial.

In its most basic form, an insurance claim is a demand of payment for covered losses and expenses. You may submit an insurance claim following an accident, natural disaster, or another event that causes damages covered by an insurance policy.

Common Types of Insurance Claims

You are probably familiar with several types of insurance, including:

  • Auto insurance
  • Health insurance
  • Homeowner’s insurance
  • Renter’s insurance

When you would file a claim based on these policies depends on the type of coverage you seek and the specifics of the policy.

Liability Insurance in Louisiana

You may hear the insurance company or other parties discussing first party and third-party insurance claims. A first-party claim is one based on your own insurance policy. Examples include:

  • A collision claim for vehicle damages
  • An uninsured/underinsured motorist claim
  • A homeowner’s claim for repairs after a storm

Liability coverage comes into play when the policyholder causes an incident that results in injuries or losses for another person. For example, the at-fault driver in a traffic accident should have auto liability coverage that pays for the injuries victims suffered due to the collision.

Third-Party vs. First-Party Insurance Claims

A first-party claim is one based on your own insurance policy. Examples could include a collision claim for vehicle damages, an uninsured/underinsured motorist claim, or a homeowner’s claim for repairs after a storm.

Meanwhile, third-party claims are usually based on liability and get filed against another party’s insurance policy. This is the type of policy you will likely file following a traffic accident. The three parties refer to you (the victim), the liable party (the policyholder), and the insurance company.

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

What Evidence Do You Need to Support an Insurance Claim?

Following an injury accident, the insurance company will likely want evidence to show:

  • Their policyholder is liable.
  • You suffered injuries because of the incident in question.
  • Your expenses and losses have monetary value.

They will not want to pay out any more than absolutely necessary to settle your claim. Therefore, it is imperative to have strong evidence documenting your damages and their recoverable value. Evidence commonly used to support insurance claims in a personal injury case includes:

  • Accident reports and other law enforcement documentation
  • Video of the injury occurring
  • Photographs of the scene
  • A survey of the scene
  • Eyewitness statements
  • Relevant medical records
  • Medical bills, receipts, and other paperwork
  • Expert opinions
  • Accident reconstruction
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 Insurer Will Not Offer a Fair Settlement for Your Damages?

If the insurance company refuses to agree to a just payout based on the evidence you present, you can sue the liable party. This could prompt the insurer to increase their offer, or you may need to go to trial.

When our firm represents you during a civil trial, we will present the evidence to support your claim to the judge and jury. Our team will ask them to consider the proof of your injuries and losses and issue a verdict on your behalf. If we win a court award for you, it should include compensation to pay your bills and cover your losses.

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

Hiring a Lawyer to Help with Your Louisiana Insurance Claim

Many accident victims discover that working with our law firm makes the process of seeking damages much easier. Our team helps them protect their rights and greatly reduces their stress by handling every detail for them.

With a lawyer from our law firm representing you, there is nothing to worry about except healing from your injuries. Working based on contingency, our personal injury lawyers will:

  • Investigate the accident and gather evidence
  • Prepare and file an insurance claim or claims
  • Put a range of values on the case based on your losses
  • Negotiate for a fair settlement agreement
  • Sue the liable party if needed
  • Represent you in court

There are strict time limits on waiting to file a suit in Louisiana. In general, you will have two years to file under CC Art. 3492 for injury accidents and two years per CC Art. 2315.2 in wrongful death cases. Contacting our team well in advance of these deadlines helps us ensure you do not lose the right to go to trial.

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

Talk To Laborde Earles Injury Lawyers About Your Claim for Free

You can speak with a team member about your personal injury case today for free. At Laborde Earles Injury Lawyers, we provide complimentary consultations. You can learn more about your rights, legal options for seeking recovery, our services, and more. We have someone available to discuss your claim with you now.

Call (337) 777-7777 to reach our main office in Lafayette. We also serve other areas of Louisiana, including New Orleans and the surrounding parishes.

Personal Injury Blog Posts:
Digger Earles Honored With Appointment to GLP-1 Plaintiff Steering Committee

Digger Earles Honored With Appointment to GLP-1 Plaintiff Steering Committee

In a significant victory for plaintiffs in the high-stakes multi-district GLP-1 litigation, renowned Lafayette personal injury lawyer Digger Earles has been appointed to the Plaintiff Steering...

Uber Accident Settlement

Uber Accident Settlement

If you are involved in an accident with an Uber driver, you may be eligible for compensation. You may have been a passenger in the Uber vehicle or another driver or passenger whose car is struck by...

Laborde Earles Injury Lawyers Achieves Highest Storm Claim Verdict in Louisiana

Laborde Earles Injury Lawyers Achieves Highest Storm Claim Verdict in Louisiana

Laborde Earles Injury Lawyers is proud to share that we achieved the highest storm damage claim verdict ever won in Louisiana, securing $11,800,000 for our client in Lake Charles.   ...

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
Personal Injury FAQ:
What Are the Most Common Types of Scaffold Accidents? What Are the Most Common Types of Scaffold Accidents?

Scaffolds are an important part of construction, but when they aren’t used properly or there are defects, accidents can occur. These accidents often result in severe and costly injuries. At

Who Pays for Medical Bills While a Case Is Pending? Who Pays for Medical Bills While a Case Is Pending?

While your injury case is pending, you can use your health insurance or medical payments coverage to pay your medical bills. You don’t have to go into debt while your case is pending; you have

Can I File a Zantac Lawsuit? Can I File a Zantac Lawsuit?

Notice: At this time we are no longer accepting cases related to Zantac cancer claims. However, if you have questions about other mass tort or personal injury cases that we are currently accepting,

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
Which Safety Features Should You Look for in Your Next Car? Which Safety Features Should You Look for in Your Next Car?
What Are Common Motorcycle Accident Shoulder Injuries? What Are Common Motorcycle Accident Shoulder Injuries?
Negotiating a Settlement With Allstate Negotiating a Settlement With Allstate
Find Yourself a Passionate Lawyer Now!
  • Barre Personal Injury Lawyer
  • Corpus Christi Personal Injury Lawyer
  • Zachary Personal Injury Lawyer
  • Iota Personal Injury Lawyer
  • Chalmette Personal Injury Lawyer
  • Carencro Personal Injury Lawyer
  • Bay City Personal Injury Lawyer
  • Breaux Bridge Personal Injury Lawyer
  • Jeanerette Personal Injury Lawyer
  • Henry 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