{"id":1093,"date":"2024-04-18T14:39:42","date_gmt":"2024-04-18T14:39:42","guid":{"rendered":"https:\/\/www.murphylawfirm.com\/?page_id=1093"},"modified":"2026-01-05T11:04:48","modified_gmt":"2026-01-05T11:04:48","slug":"baton-rouge-accidente-de-motorista-sin-seguro-y-con-seguro-insuficiente-abogado","status":"publish","type":"page","link":"http:\/\/www.murphylawfirm.com\/es\/baton-rouge-uninsured-and-underinsured-motorist-accident-lawyer\/","title":{"rendered":"Baton Rouge Abogado de accidente de motorista sin seguro y con seguro insuficiente"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.murphylawfirm.com\/es\/baton-rouge-uninsured-and-underinsured-motorist-accident-lawyer\/#baton-rouge-uninsured-and-underinsured-motorist-accident-attorney\" >Baton Rouge Uninsured and Underinsured Motorist Accident Attorney<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.murphylawfirm.com\/es\/baton-rouge-uninsured-and-underinsured-motorist-accident-lawyer\/#louisianas-mandatory-insurance-coverage\" >Louisiana\u2019s Mandatory Insurance Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.murphylawfirm.com\/es\/baton-rouge-uninsured-and-underinsured-motorist-accident-lawyer\/#what-to-do-after-an-accident-with-an-uninsured-driver\" >What to Do After an Accident with an Uninsured Driver<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.murphylawfirm.com\/es\/baton-rouge-uninsured-and-underinsured-motorist-accident-lawyer\/#louisiana-uninsuredunderinsured-motorist-laws\" >Louisiana Uninsured\/Underinsured Motorist Laws<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"baton-rouge-uninsured-and-underinsured-motorist-accident-attorney\"><\/span>Baton Rouge Uninsured and Underinsured Motorist Accident Attorney<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h5>INFORMATION ON WHAT TO DO<\/h5>\n<p>According to the Insurance Research Council (IRC), roughly 14% of all motorists in the U.S. are uninsured-that\u2019s nearly one out of every seven drivers. Louisiana is the second most expensive state for auto insurance-partly because of its high number of uninsured drivers. Hundreds of negligent drivers take to the road with lapses in coverage, policies below the minimum, or no insurance at all. In an effort to reduce insurance premiums for its consumers, the state legislature passed Act 1476, known as the Omnibus Premium Reduction Act, in 1997. One section of this complex law was the \u201cNo-Pay, No-Play\u201d provision, enacted to penalize uninsured and underinsured drivers, while encouraging them to purchase adequate levels of car insurance.<\/p>\n\n    <div class=\"inr-cnt-left inn-pg-frm\">\n        <h2>Free Consultation<\/h2>\n        <h4>We Will Come To You<\/h4>\n        <h6>Proudly Serving the state of Louisiana for nearly 30 years<\/h6>\n        <p>Fields Marked With An \u201c*\u201d Are Required<\/p>\n        <div class=\"inr-cont-form\">\n        <script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof 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This means that even if the other driver is at fault, an uninsured driver will have to cover medical costs up to $15,000, and car repairs up to $25,000.<\/p>\n<p>After a car wreck involving one of these drivers, you might not know how to apply for benefits to pay for your medical bills, property damage, and lost wages. In this predicament, come see our uninsured motorist coverage lawyer or <a href=\"https:\/\/www.murphylawfirm.com\/baton-rouge-car-accident-lawyer\/\">car wreck attorneys<\/a> at the <a href=\"https:\/\/www.murphylawfirm.com\/why-choose-us\/\">Murphy Law Firm<\/a> in Baton Rouge.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"louisianas-mandatory-insurance-coverage\"><\/span>Louisiana\u2019s Mandatory Insurance Coverage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In Louisiana, driver must maintain minimum insurance coverage to legally operate a motor vehicle, with rare exceptions. The bare minimum a driver must purchase is:<\/p>\n<ul>\n<li>$15,000 in bodily injury per accident<\/li>\n<li>$30,000 in bodily injury per accident<\/li>\n<li>$25,000 in property damage liability<\/li>\n<\/ul>\n<p>There are two types of coverages insurance companies will either include or offer, but these are optional; drivers can choose to reject them (often with a signature stating they\u2019re declining this coverage). One such coverage type helps you during uninsured and underinsured motorist claims.<\/p>\n<p>Uninsured motorist bodily injury insurance comes with a minimum legal requirement of $15,000 per person and $30,000 per accident-if a driver decides to purchase this optional coverage. A driver can reject this insurance in Louisiana, but it\u2019s common for policies to include UM\/UIM coverage. This type of insurance can protect you if an at-fault driver does not have adequate insurance coverage.<\/p>\n<p>A driver can reject this insurance in Louisiana, but it\u2019s common for policies to include uninsured and underinsured motorist coverage. This type of insurance can protect you if an at-fault driver does not have adequate insurance.<\/p>\n<p>The other type of optional insurance is a $1,000 minimum in medical payment coverage.<\/p>\n<p>If you bought a new vehicle or lease your car, you might have to purchase full coverage. Full coverage combines comprehensive and collision coverage, such as <a href=\"https:\/\/www.murphylawfirm.com\/baton-rouge-drunk-driving-accident-lawyer\/\">drunk driving<\/a>, which protects against various incidents, including those arising from drunk driving or other similar situations. This coverage also often includes uninsured and underinsured motorist insurance. Look at your insurance policy and see if you\u2019re paying for uninsured motorist bodily injury insurance. You can also ask your insurance agent for this information. If you aren\u2019t, consider adding this coverage for protection in the event of a car crash. Already in a <a href=\"https:\/\/www.murphylawfirm.com\/baton-rouge-motorcycle-accident-lawyer\/\">motorcycle accident<\/a> with an uninsured or underinsured motorist? It would be best if you had a lawyer for an uninsured driver. <a href=\"https:\/\/www.murphylawfirm.com\/contact\/\">Contact our dedicated team<\/a> of Baton Rouge uninsured motorist lawyers at Murphy Law Firm at <a href=\"tel:2259288800\">(225) 928-8800<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"what-to-do-after-an-accident-with-an-uninsured-driver\"><\/span>What to Do After an Accident with an Uninsured Driver<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>After any traffic accident in Baton Rouge, stay calm and remain at the scene.<\/li>\n<li>Move yourself and your disabled vehicle off the road and to a safe location, if possible.<\/li>\n<li>Asses yourself for injuries, and then see if anyone else has injuries. If you see injuries, fatalities, or property damage in excess of $500 (as is the case in most crashes), you legally have to call 911 to report the accident.<\/li>\n<li>Call the police and request an ambulance if anyone has injuries.<\/li>\n<p>If at this point you discover the other driver doesn\u2019t have insurance, call the cops if you haven\u2019t already.<\/p>\n<p>It\u2019s important to get police involved in uninsured and underinsured motorist car accidents to protect your rights and to penalize the negligent driver in the hopes of preventing someone else from dealing with the same problem you\u2019re having. Once you visit a hospital for your injuries, call your own insurance company and explain what happened. If you have uninsured and underinsured motorist coverage, this will pay for the damages. If you don\u2019t, you may have to consider a personal injury claim instead. <a href=\"https:\/\/www.murphylawfirm.com\/contact\/\">Contact us to get Free Consultation<\/a> or call us at <a href=\"tel:2259288800\">(225) 928-8800<\/a> to discuss your options with an <a href=\"https:\/\/www.murphylawfirm.com\/baton-rouge-car-accident-lawyer\/\">experienced car accident attorney<\/a>.<\/p>\n<div class=\"accsec-ritcnt accordion\">\n<h3><span class=\"ez-toc-section\" id=\"louisiana-uninsuredunderinsured-motorist-laws\"><\/span>Louisiana Uninsured\/Underinsured Motorist Laws<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"accordion-section\">\n<h4><a class=\"accordion-section-title\" href=\"#accordion-1\">Comparative Fault Statute &#8211; Article 2323<\/a><\/h4>\n<div id=\"accordion-1\" class=\"accordion-section-content\" style=\"display: block;\">\n<p><strong>A.<\/strong> In any action for damages where a person suffers injury, death, or loss, the degree or percentage of fault of all persons causing or contributing to the injury, death, or loss shall be determined, regardless of whether the person is a party to the action or a nonparty, and regardless of the person\u2019s insolvency, ability to pay, immunity by statute, including but not limited to the provisions of R.S. 23:1032, or that the other person\u2019s identity is not known or reasonably ascertainable. If a person suffers injury, death, or loss as the result partly of his own negligence and partly as a result of the fault of another person or persons, the amount of damages recoverable shall be reduced in proportion to the degree or percentage of negligence attributable to the person suffering the injury, death, or loss.<\/p>\n<p><strong>B.<\/strong> The provisions of Paragraph A shall apply to any claim for recovery of damages for injury, death, or loss asserted under any law or legal doctrine or theory of liability, regardless of the basis of liability.<\/p>\n<p><strong>C.<\/strong> Notwithstanding the provisions of Paragraphs A and B, if a person suffers injury, death, or loss as a result partly of his own negligence and partly as a result of the fault of an intentional tortfeasor, his claim for recovery of damages shall not be reduced.<\/p>\n<p>Amended by Acts 1979, No. 431, \u00a71; Acts 1996, 1st Ex. Sess., No. 3, \u00a71, eff. April 16, 1996.<br \/>\nsource<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Baton Rouge Uninsured and Underinsured Motorist Accident Attorney INFORMATION ON WHAT TO DO According to the Insurance Research Council (IRC), roughly 14% of all motorists in the U.S. are uninsured-that\u2019s nearly one out of every seven drivers. Louisiana is the second most expensive state for auto insurance-partly because of its high number of uninsured drivers. &hellip; <\/p>\n<p class=\"link-more\"><a href=\"http:\/\/www.murphylawfirm.com\/es\/baton-rouge-uninsured-and-underinsured-motorist-accident-lawyer\/\" class=\"more-link\">Seguir leyendo<span class=\"screen-reader-text\"> &#8220;Baton Rouge Uninsured and Underinsured Motorist Accident Lawyer&#8221;<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1093","page","type-page","status-publish","hentry","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Baton Rouge Uninsured and Underinsured Motorist Accident Lawyer<\/title>\n<meta name=\"description\" content=\"Looking for a Baton Rouge Uninsured and Underinsured Motorist Accident Lawyer? 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Murphy Law Firm specializes in cases involving uninsured motorists.","og_url":"https:\/\/www.murphylawfirm.com\/es\/baton-rouge-accidente-de-motorista-sin-seguro-y-con-seguro-insuficiente-abogado\/","og_site_name":"Murphy Law Firm","article_publisher":"https:\/\/www.facebook.com\/MurphyLawFirm225\/","article_modified_time":"2026-01-05T11:04:48+00:00","twitter_card":"summary_large_image","twitter_site":"@murphylawfirm225","twitter_misc":{"Tiempo de lectura":"5 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.murphylawfirm.com\/baton-rouge-uninsured-and-underinsured-motorist-accident-lawyer\/","url":"https:\/\/www.murphylawfirm.com\/baton-rouge-uninsured-and-underinsured-motorist-accident-lawyer\/","name":"Baton Rouge Abogado de accidente de motorista sin seguro y con seguro insuficiente","isPartOf":{"@id":"https:\/\/www.murphylawfirm.com\/#website"},"datePublished":"2024-04-18T14:39:42+00:00","dateModified":"2026-01-05T11:04:48+00:00","description":"\u00bfBusca un abogado de accidente de motorista sin seguro y con seguro insuficiente Baton Rouge? 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