Legal Support After Accidents with Uninsured or Underinsured Drivers in New Orleans
Getting into a car accident is stressful enough—but discovering the other driver is uninsured or underinsured can make the situation far more complicated. Many Louisiana drivers carry only the minimum required liability insurance, which often isn’t enough to cover the full cost of injuries, medical bills, and property damage. If you’ve been in an accident involving an uninsured or underinsured driver, you need legal representation that understands how to navigate these difficult and frustrating claims.
At Rozas Injury Law, LLC, our experienced attorneys work with clients across New Orleans to pursue the compensation they need—especially when traditional insurance routes fall short. We can help you explore your options under your own insurance company’s uninsured motorist coverage and fight for your financial recovery after an accident caused by someone else’s negligence.
Understanding Uninsured and Underinsured Motorist Accidents
Accidents involving uninsured drivers are more common than you might think. Despite laws requiring liability insurance, many drivers fail to carry enough insurance to pay for the damages they cause. These scenarios typically fall into one of two categories:
- Uninsured motorist accident: The other driver has no auto insurance at all.
- Underinsured motorist accident: The driver has minimal coverage that doesn’t cover the medical expenses, lost wages, or property damage you’ve suffered.
In both cases, you may need to file a claim under your own car insurance policy, specifically through uninsured motorist coverage or underinsured motorist coverage (also known as UIM coverage)
How Uninsured Motorist Coverage Works in Louisiana
Under Louisiana law, insurance companies must offer uninsured and underinsured motorist coverage when you purchase car insurance. This protection is crucial when the other driver lacks the necessary coverage to compensate you for:
- Emergency medical attention
- Medical bills and long-term care
- Bodily injury
- Vehicle repair costs
- Missed time at work
- Pain and suffering
If you carry UIM coverage, your own insurance company may be responsible for covering these losses. Unfortunately, even your insurer may try to delay or minimize payouts, which is why having a skilled New Orleans uninsured driver lawyer on your side can make all the difference.
Common Issues in Uninsured Motorist Claims
Working with insurance companies can be challenging—even when it’s your own. Disputes often arise over:
- Whether the accident was caused by an uninsured or underinsured driver
- The amount of coverage available under your policy
- The severity of your injuries
- The cost of medical expenses and repair costs
- Who was at fault
Insurers may claim your UIM policy doesn’t apply or offer you less than your damages are worth. A knowledgeable law firm can evaluate your insurance coverage, gather evidence, and hold insurers accountable for full payment under your policy.
What To Do After an Accident with an Uninsured Driver
If you’ve been in a car wreck and suspect the other driver is uninsured or underinsured, you should:
- Seek medical attention immediately.
- Report the accident to law enforcement and your insurance company.
- Avoid accepting any settlements without reviewing your options.
- Contact an experienced uninsured motorist lawyer to protect your rights.
Filing a claim too late or without proper legal guidance could limit your ability to recover compensation for your injuries and other losses.
Damages You Can Recover After an Uninsured Motorist Accident
When you’re hit by an uninsured or underinsured driver, you may be entitled to compensation for:
- Medical bills and related costs
- Lost income and reduced earning ability
- Vehicle repairs or property damage
- Pain, suffering, and emotional trauma
- Out-of-pocket costs related to the accident
Insurance policies often have complicated clauses and exclusions. An experienced New Orleans uninsured driver lawyer can ensure you receive the coverage you’ve paid for and help you recover the full value of your claim.
Why Choose Our Law Firm for Your Uninsured Motorist Claim
Rozas Injury Law, LLC has built a reputation in New Orleans for fiercely advocating for clients facing difficult insurance claims. We know how to challenge unfair insurance denials and how to maximize the benefits of your car insurance policies. When you work with our law firm, you get:
- A team of experienced attorneys familiar with Louisiana’s minimum amounts of required liability insurance
- Honest, client-first legal guidance
- Skilled negotiators ready to go to court if necessary
- Compassionate support throughout the legal process
We believe no one should bear the financial burden of a crash caused by an uninsured or underinsured motorist. We’re here to make sure you don’t have to.
Learn more about New Orleans Uninsured 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: New Orleans Uninsured Driver Lawyer
What is uninsured motorist coverage and do I need it in Louisiana?
Uninsured motorist coverage protects you when the at-fault driver doesn’t have insurance. While not legally required, it’s highly recommended and often included unless you opt out in writing.
What if I don’t know the other driver was uninsured?
Your insurer will determine this as part of the claim. If the other driver cannot provide valid insurance, you may pursue a UIM claim through your own insurance company.
Can I still get compensation if the other driver had minimal coverage?
Yes. In an underinsured motorist accident, your underinsured motorist coverage may fill the gap between their policy limits and your damages.
What happens if my own insurer denies my claim?
You have legal options. Our attorneys can dispute the denial, negotiate a fair outcome, or take legal action to enforce your car insurance policy rights.
Is there a time limit to file a claim in Louisiana?
Yes. Under Louisiana law, you typically have one year from the date of the accident to file a claim.
