Helping New Orleans Drivers After Accidents with Underinsured or Uninsured Motorists
Many drivers in Louisiana only carry the minimum legally required car insurance—an amount often too low to cover all the damages caused in a serious accident. In worse cases, some drivers have no insurance at all. If you’ve been injured in an accident involving an underinsured driver or an uninsured driver, you may be left struggling to recover physically, emotionally, and financially.
Rozas Injury Law, LLC helps clients in New Orleans understand their legal options after these complex and frustrating incidents. Whether the accident involved an uninsured or underinsured motorist, or you’re trying to recover damages through your own insurance company, our experienced attorneys can guide you through every step of the process.
The Impact of Underinsured and Uninsured Motorist Accidents
Under Louisiana law, drivers are required to carry liability insurance. But many drivers either do not have car insurance at all or only carry minimal coverage that doesn’t come close to covering the costs of a major accident. Accidents involving an underinsured driver often lead to significant injuries, high medical bills, property damage, and lost income.
In these cases, your own uninsured or underinsured motorist coverage may be the only way to receive full compensation. Unfortunately, even your own insurer may resist paying what you’re owed.
Common Consequences of These Accidents
Whether you’re in a car accident with an uninsured or underinsured motorist, you may face:
- Emergency medical attention and long-term care
- Mounting medical expenses and bills
- Serious bodily injury or chronic conditions
- High repair costs for property damage
- Pain, emotional trauma, and other losses
- Lost wages and future loss of earning potential
Despite carrying a valid car insurance policy, many drivers don’t have coverage that accounts for the full extent of these costs. That’s why underinsured motorist claims are so important—and why you need strong legal representation.
How Motorist Coverage Works in Louisiana
When you purchase auto insurance in Louisiana, your provider is required to offer uninsured and underinsured motorist coverage. If you do not reject this in writing, it may already be part of your policy. This coverage applies when an accident is caused by a driver who has no insurance or whose insurance coverage is not enough to cover your losses.
In these cases, your own insurance company may be required to pay the difference. But just because it’s your insurer doesn’t mean they’ll offer a fair settlement. Insurance companies often challenge such claims, delay responses, or dispute injury severity, especially in cases involving multiple parties or unclear fault.
What to Do After an Accident with an Underinsured Driver
Taking the right steps immediately after an accident involving an underinsured or uninsured motorist can strengthen your claim:
- Seek medical attention as soon as possible.
- Report the accident to the police and your insurance provider.
- Do not accept any early settlement offers.
- Contact a law firm experienced in handling uninsured motorist accident claims.
Acting promptly ensures that you can document the accident, protect your health, and preserve the legal right to pursue compensation.
Why Legal Representation Matters
Insurance companies are not in the business of paying out the maximum amount. Even your own insurance company may try to deny or minimize the value of your claim. If you’ve been in an accident involving an uninsured or underinsured driver, legal representation gives you the power to:
- File an effective underinsured motorist claim
- Demand coverage for all qualifying medical bills, repairs, and lost wages
- Challenge denied or delayed claims
- Hold insurance companies accountable
Rozas Injury Law, LLC has helped countless New Orleans residents successfully navigate these difficult claims. We know how to interpret Louisiana law, read between the lines of insurance policies, and advocate for what’s fair.
Damages You May Be Entitled To
With strong legal advocacy, you may recover compensation for:
- Medical expenses and long-term treatment
- Property damage and repair costs
- Lost wages and diminished earning ability
- Pain, suffering, and emotional hardship
- All the damages resulting from the accident
Our legal team will investigate the accident, review your policy, and work directly with insurers to ensure your claim is backed by facts and evidence.
How Rozas Injury Law, LLC Can Help
When you choose Rozas Injury Law, LLC, you get more than just legal support—you get a team of professionals who care about your recovery and financial stability. Our law firm offers:
- Experienced attorneys who know Louisiana’s insurance and liability laws
- Aggressive advocacy against reluctant insurance companies
- Personalized guidance throughout every stage of the legal process
- Clear communication and practical advice so you’re never in the dark
Don’t let an accident with an uninsured or underinsured motorist derail your life. We’re here to help you move forward.
Learn more about New Orleans Underinsured Driver Lawyer. Call Rozas Injury Law, LLC at 225-343-0010 to schedule your free, no-obligation consultation. You can also reach us anytime through our contact page. Let us help you take the first step toward justice and peace of mind.
FAQs:
What is underinsured motorist coverage and do I need it?
Underinsured motorist coverage protects you when the at-fault driver’s liability insurance is too low to cover your losses. It helps pay for injuries and damages that exceed their policy limits.
Can I file a claim against my own insurance company?
Yes. If the other driver lacks enough insurance, you may file a claim through your own uninsured or underinsured motorist policy. Your provider is still responsible for honoring your coverage terms.
What if the other driver had no insurance at all?
Your uninsured motorist coverage can help cover costs related to an accident with a completely uninsured driver, including medical expenses and property damage.
Will my premiums increase if I use uninsured motorist coverage?
Using this coverage does not automatically raise your premiums, especially if the accident wasn’t your fault. Still, it’s important to consult a lawyer to understand your specific policy terms.
How soon should I speak to an attorney?
Immediately. Prompt action protects your legal rights, preserves evidence, and helps you pursue compensation before important deadlines under Louisiana law expire.
