What Happens to Your Louisiana Car Insurance Claim if the Other Driver Has No Insurance? 

Being hit by an uninsured or underinsured driver can put you in a frustrating position. Uninsured/underinsured motorist coverage exists precisely for this scenario and can help you deal with the unexpected consequences.

Understanding Uninsured/Underinsured Motorist Coverage

In Louisiana, uninsured/underinsured motorist (UM/UIM) coverage is included in a standard auto insurance policy unless you actively reject it in writing. It can be beneficial if you’re hit by an at-fault motorist with little or no liability coverage.

It can help pay for your:

• Medical expenses and rehabilitation costs
• Lost income during recovery
• Vehicle repair or replacement
• Expenses related to pain and suffering, depending on your policy terms

What to Do After an Accident

If you’re involved in an accident and the other driver is responsible but has no insurance, here are some steps to take to help with your own claim:

• Call the police and file an accident report.
• Take photos and videos of the scene.
• Gather as much information as possible, including the other driver’s contact details and witness statements.
• Notify our team as soon as possible to start the claims process.
• Seek medical attention if needed, even for minor injuries.

It’s generally advisable to take these steps regardless of whether the other driver has insurance, as documentation can be key for any claims process and you may not discover until later that their liability coverage limits are insufficient to pay for your losses.

How We Can Help

Sorting through a UM/UIM claim involves navigating policy language and working with claims adjusters. We work with carriers that offer UM/UIM coverage options and can review your current policy to identify any gaps before you need to file.

Contact Liberty Pro Insurance to review your auto insurance coverage and make sure you are financially protected if an uninsured or underinsured driver crosses your path. We proudly serve Harvey, LA and are ready to help you find the right fit.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.