Louisiana has one of the highest rates of uninsured and underinsured drivers in the United States. If you are hit by a driver who has no insurance — or not nearly enough — your own UM/UIM coverage is often the key to being made whole.
Why UM/UIM Coverage Matters in Louisiana
When the at-fault driver cannot pay for the harm they caused, uninsured/underinsured motorist coverage on your own policy steps in. Louisiana requires insurers to offer this coverage, and many drivers carry it without fully understanding how valuable it is.
UM/UIM coverage can apply not only when you are driving, but also as a passenger, a pedestrian, or a cyclist, depending on your policy.
Fighting Your Own Insurer
A UM/UIM claim is made against your own insurance company — and they do not always treat you fairly. Adjusters may dispute the value of your injuries or delay payment. An attorney holds your insurer to its obligations and pursues the full benefits you paid for.
How Injury Claim Team Helps
Injury Claim Team is not a law firm — we are a free service that connects injured Louisianans with experienced personal injury attorneys who handle uninsured motorist cases. There is no cost to you to be matched, and the attorneys in our network charge no fee unless they win your case. Call 973-566-5599 or request a free review and a specialist will reach out within the hour.
Frequently Asked Questions
Nothing upfront. Our network attorneys work on a contingency-fee basis — no fee unless they recover compensation for you. Your case review is always free and confidential.
For injuries occurring on or after July 1, 2024, Louisiana's prescriptive period is generally two years; it was one year for earlier injuries. Claims involving government entities may have shorter deadlines, so it is important to act quickly.
Louisiana follows a pure comparative fault rule, so you can still recover compensation even if you were partly responsible — your recovery is reduced by your percentage of fault.
Every case is different. Value depends on the severity of your injuries, your medical costs and future care, lost income, the clarity of fault, and available insurance. A free case review is the best way to understand your claim.