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New Orleans Uninsured and Underinsured Motorist Accident Lawyer

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New Orleans Uninsured and Underinsured Motorist Accident Attorney

If you’ve been hit by a driver who didn’t have insurance or didn’t have enough of it, you need an experienced New Orleans uninsured and underinsured motorist accident lawyer.

At Murphy Law Firm, our team understand how frustrating these cases can be, and that’s why we fight for what you’re owed so you can move forward with the confidence and justice you deserve.

new orleans uninsured and underinsured motorist accident lawyer

Understanding UM/UIM Claims in Louisiana

In 2022, there were 235 million licensed drivers in the U.S., and of those road users, 1 in 7 were uninsured. Shockingly, Louisiana has one of the highest numbers of uninsured drivers in the country, at around 29%.

Louisiana law requires all auto insurance policies to include coverage for uninsured/underinsured motorists unless the driver rejects it in writing. That said, insurance companies are in the business of protecting their own bottom lines, and they do everything they can to minimize your injuries and your claim, like pushing back on your injuries, causing delays, and offering lowball settlements.

If the driver fled or lacks enough coverage, your own protection under a trusted New Orleans car accident lawyer can often become the strongest path to recovery.

At Murphy Law Firm, we focus on helping people assert their rights under their own UM/UIM policies. Whether your insurer is dodging responsibility or a negligent driver fled the scene, we’re here to guide you through every step of the process.

What Damages Can Be Recovered?

Medical bills, missed paychecks, and the rising cost of everyday life can start to pile up, and when the driver who caused it doesn’t have enough insurance to cover the damage, you could feel like you’re on your own. UM/UIM claims provide compensation for many of the same losses you’d pursue in a standard personal injury case, including:

  • Medical expenses, both current and future
  • Lost wages and loss of earning potential
  • Pain and suffering
  • Emotional distress
  • Property damage
  • Out-of-pocket costs related to the accident

Understanding how state law applies in Louisiana—especially after serious crashes—can make a real difference. See how compensation played out in similar cases by exploring average car accident settlements in Louisiana and the statute of limitations that applies in your case.

No one plans for this kind of setback, but if your life has been disrupted by a crash with an uninsured or underinsured driver, you deserve every dollar your policy allows. At Murphy Law Firm, we fight for your rights and take antagonistic insurance companies to task on your behalf.

How Murphy Law Firm Can Help

Insurance companies are quick to collect your premiums; however, when it’s time for them to pay up, they make you jump through hoops. You’ve done your part; now it’s time to demand what’s fair.

At Murphy Law Firm, we don’t ask politely; we fight. Our job is to protect your rights, push back against bad-faith tactics, and make sure you’re not left holding the bag for someone else’s negligence. We can help by:

  • Reviewing and explaining your insurance policy. We’ll comb through the fine print to identify what coverage you have, what limits apply, and how to push back against policy loopholes that insurers may try to exploit.
  • Investigating the details of your accident. We dig into the facts and gather evidence to support your claim.
  • Handling all communication with the insurance company. You won’t have to field frustrating calls or confusing paperwork. We take over that process, so you don’t have to deal with it.
  • Negotiating for full and fair compensation. Whether it’s through informal negotiations or a formal demand letter, we make sure your voice is heard and that your damages are fully accounted for.
  • Preparing your case for trial if needed. If the insurance company won’t offer a fair settlement, we’re ready to go to court.
  • Keeping you informed throughout the process. You’ll always know your options and the next steps. Dealing with an uncooperative insurer can feel overwhelming—connecting with a seasoned New Orleans personal injury lawyer ensures you won’t have to handle it alone.

At Murphy Law Firm, we step in so you can step back and focus on healing. You deserve an advocate who sees the full picture, not just a claim number, and we’re ready to help you move forward.

Local Knowledge, Personal Commitment: Why a New Orleans Attorney Makes a Real Difference

At Murphy Law Firm, we’re not guests in the New Orleans community; we’re part of it. We live here, work here, and we’ve spent years building relationships in the same courthouses where your case might be heard, including:

  • Orleans Parish Civil District Court
  • First City Court of New Orleans
  • United States District Court for the Eastern District of Louisiana

We’ve stood before the same judges, argued cases in front of local juries, and walked side by side with clients from your own neighborhood. Our team also knows how juries from these areas view injury claims, and we understand what it means to miss work, lose a car, or deal with long-term pain in a city built on movement, hustle, and culture.

FAQs

Q: Can I File a UM/UIM Claim If I Was a Passenger in Someone Else’s Car?

A: Yes, you can file a UM/UIM claim if you were a passenger in someone else’s car. If you were injured as a passenger, you might be able to file a UM/UIM claim through the driver’s own policy or your own, depending on the specifics of each policy. Coverage often follows the person, not just the car. An attorney can review the available policies to determine which apply.

Q: Could UM Coverage Still Apply If I Were Hit While Walking or Biking?

A: It’s possible that your UM coverage could still apply if you were hit while walking or biking. If you carry auto insurance and were hit by an uninsured or underinsured driver as a pedestrian or cyclist, your UM policy might still offer coverage. Many policies extend to incidents involving the insured person, even outside the vehicle.

Q: Do I Have to Go to Court to Resolve a UM/UIM Claim?

A: No, you don’t always have to go to court to resolve a UM/IUM claim. Many of these claims are settled through negotiation. However, if your insurer denies your claim or refuses to offer a fair amount, filing a claim may be necessary. Even then, cases are often resolved through mediation or settlement before a trial ever occurs.

Q: Can I Still File a UM/UIM Claim If the At-Fault Driver Fled the Scene?

A: Yes, you can still file a UM/UIM claim if the at-fault driver fled the scene. Hit-and-run accidents are often covered under uninsured motorist (UM) coverage, as the at-fault driver isn’t easily identified to be held accountable. It’s important to immediately report the accident, document any available evidence, and notify your insurer right away.

Contact Our New Orleans Uninsured and Underinsured Motorist Accident Lawyer To Discuss Your Case

At Murphy Law Firm, we’re here to help you explore every legal option, protect your rights, and seek the compensation you deserve. Contact us today to schedule a free consultation.

New Orleans, Louisiana Personal Injury Resources

Your Path to Legal Resolution Starts with Murphy Law Firm.

When you choose Murphy Law Firm, you gain access to a team of experienced attorneys with a proven track record of success. We understand the importance of trust, and we strive to build lasting relationships with our clients by delivering exceptional results.

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