Louisiana has one of the highest rates of uninsured drivers in the country. If one of them hits you, it can feel like you’re out of luck but you’re not. There are often multiple ways to recover compensation even when the at-fault driver has no insurance or not enough to cover what you’ve lost.

Emergency room visits, surgeries, physical therapy, medicine, and any doctor care you’ll need in the future.

The money you didn’t earn because you were too hurt to work or had to miss time for appointments and recovery.

Money for your physical pain, the emotional trauma from the crash, and the life your injuries have taken from you.

Getting your vehicle fixed or replaced, plus a rental car while yours is in the shop.

If your injuries mean you can’t return to your old job or you’ll need ongoing medical care, we fight to make sure you’re compensated for that too.

This is the question we answer every day. Here are the most common paths to recovery:

Louisiana law strongly encourages drivers to carry uninsured motorist coverage. If you have it, your own policy may cover your injuries and damages even though you didn’t cause the accident. We’ll review your policy and fight your own insurer if they try to lowball you.

Sometimes the at-fault driver has insurance — just not enough to cover the full extent of your injuries. Your underinsured motorist coverage can make up the difference. We make sure every dollar available to you is on the table.

The driver isn’t always the only one responsible. Depending on what caused the crash, we may be able to pursue the vehicle owner, an employer, a government entity responsible for road conditions, or others. We investigate every angle.

Whether it just happened or it was weeks ago, these steps protect your health and your case:

See a doctor right away. Your health comes first, and medical records document exactly what the crash did to you — which matters even more when you’re dealing with an uninsured driver.

A police report is critical in uninsured motorist cases. It documents the crash, identifies the at-fault driver, and establishes that they had no insurance.

Take photos and videos of all vehicles, the scene, and your injuries. Get the other driver’s information even if they have no insurance. Get witness contact info if possible.

Your own insurance company is not automatically on your side in an uninsured motorist claim. Before you give any statements or sign anything, call us. We’ll protect you through every step of the process.

Our attorneys have spent decades navigating the complex world of uninsured and underinsured motorist claims in Louisiana.

Your own insurance company may act like they’re on your side but when it comes to paying out an uninsured motorist claim, they’re looking to minimize what they owe just like any other insurer. We’ve spent over 40 years learning how to hold them accountable in Louisiana courts.

We’ve recovered over $10 billion for our clients by building cases that win. In uninsured motorist cases that means reviewing every policy, identifying every avenue of recovery, and fighting until you’re fully compensated.

Being hurt by an uninsured driver is incredibly frustrating. You did everything right and someone else’s irresponsibility left you holding the bill. We treat you like family, handle the legal fight, and make sure you don’t walk away empty handed.

Common Questions About Louisiana Uninsured Motorist Cases

What is uninsured motorist coverage and do I have it?
In Louisiana, UM coverage applies when the at-fault driver has no insurance or not enough insurance to cover your damages. Your own auto policy steps in to fill the gap — and it’s critical in serious injury cases. We’ll review your policy and tell you exactly what coverage you have.

What if the at-fault driver has some insurance but not enough?
That’s where underinsured motorist coverage comes in. If the other driver’s policy doesn’t cover the full extent of your injuries and losses, your own underinsured motorist coverage can make up the difference. We fight to maximize every dollar available.

When can UM coverage be used in Louisiana?
UM coverage may apply in accidents involving uninsured, underinsured, or hit-and-run drivers, depending on your policy. Coverage review early in the process is important because policy language matters.

What is UEO coverage in Louisiana?
UEO is a limited uninsured motorist option that applies only to economic damages like medical bills and lost wages. It does not cover pain and suffering — and that limitation can significantly affect what you’re able to recover.

What is the difference between UM and UEO coverage?
UM coverage may include pain and suffering, while UEO is limited to economic losses only. Which one applies depends on your policy paperwork, and the difference can have a major impact on the value of your case.

Can I use UM or UEO coverage even if the other driver was at fault?
Yes. Using UM or UEO coverage does not mean the accident was your fault. Fault still must be proven — your insurer simply steps into the shoes of the at-fault driver. That surprises a lot of people.

What if it was a hit-and-run and the driver fled?
Uninsured motorist coverage typically applies to hit-and-run accidents in Louisiana. If you were hit by a driver who fled the scene, you may still be able to recover through your own policy.

Will filing an uninsured motorist claim raise my insurance rates?
Louisiana law prohibits insurers from raising your rates solely because you filed an uninsured motorist claim that wasn’t your fault. We make sure your insurer plays by the rules.

My insurance company is offering me a low settlement. Should I take it?
No. Don’t accept anything without talking to us first. Even your own insurance company will offer less than what your case is worth hoping you’ll take the quick payout. Once you sign, you can’t go back for more.

Do I have to pay you upfront?
No. We work on a contingency fee basis. You pay nothing unless you win your case, and our fees come out of that settlement amount.