Louisiana Uninsured & Underinsured Motorist Lawyer

Why UM claims are different

In a UM or UIM claim, your opponent is your own insurance company. That surprises people. The insurer that sends you a bill every month will still scrutinize your medical treatment, question your injuries, and try to resolve your claim for less than it is worth.

Louisiana UM law is also technical. Whether coverage exists can turn on how a UM selection form was filled out, which vehicles and household members a policy covers, and how multiple policies stack against each other. These details decide cases, and we know where to look.

How we build UM and UIM cases

• Obtain and audit every potentially applicable policy, including household policies you may not have thought of
• Challenge invalid UM rejection forms that insurers rely on to deny coverage
• Document damages the way UM adjusters evaluate them: records, bills, wage loss, and future care
• Enforce Louisiana's bad faith statutes when insurers delay or lowball, which can add penalties and attorney fees on top of your damages

Common questions

What is UM or UIM coverage?

Uninsured motorist (UM) and underinsured motorist (UIM) coverage is part of your own auto policy. It pays for your injuries when the at-fault driver has no insurance, or not enough insurance, to cover your damages.

The other driver had no insurance. Do I have a case?

Very possibly. If you carry UM coverage, your own insurer steps into the shoes of the uninsured driver. Many people do not even realize they have this coverage until a lawyer reviews their policy.

Will my insurance company treat me fairly on a UM claim?

Not automatically. Even your own insurer becomes an adversary once you make a UM claim. Louisiana law imposes good faith duties on insurers and provides penalties when they unreasonably delay or underpay, and we use those statutes.

Does Louisiana's No Pay No Play law affect my claim?

Louisiana's No Pay No Play statute limits recovery for drivers who were uninsured at the time of a crash, and the barred amounts increased under a 2025 law change. Exceptions exist, so do not assume you have no claim without talking to a lawyer.

Will making a UM claim raise my rates?

Louisiana law restricts insurers from penalizing you for claims where you were not at fault. Ask us about your specific situation.