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Finding out the driver who hit you has little or no insurance is a gut punch. You’re already dealing with car repairs, doctor visits, and missed work, and now you have to figure out how the bills will get paid.
That situation is stressful, but there are often options you might not know about. Louisiana requires insurance companies to offer uninsured motorist coverage, and many people have protections on their policy that they didn’t realize were there.
At Gauthier Amedee, we help you make sense of your coverage and take that weight off your shoulders. Andre P. Gauthier brings over thirty years of Louisiana legal experience to help you understand your policy and protect your interests.
Making a claim with your own insurance company can feel strange. You pay them every month, but when a crash happens, figuring out what they will actually pay is rarely simple.
Our team helps people work through tough situations like:
Instead of spending hours on the phone trying to decode complex policy terms, you can let our team review the documents, explain what they mean, and handle the heavy lifting for you.
What happens if the other driver’s insurance runs out before your treatment does? Louisiana’s minimum required liability coverage is $15,000 per person and $30,000 per accident for bodily injury, plus $25,000 for property damage.
A single ER visit or surgery can use that up fast. Under La. Rev. Stat. § 22:1295, insurers must offer UM/UIM coverage equal to your liability limits on all auto policies. That is why many Louisiana drivers carry it, even though the state does not force them to buy it.
The clock on this type of claim is set by its own statute, separate from a lawsuit against the other driver. Under La. Rev. Stat. § 9:5629, you generally have two years from the date of the accident to file suit under your policy’s uninsured motorist coverage.
Courts generally apply that deadline strictly. Missing it can end the claim entirely, no matter how clear the other driver’s fault was.
If a UM dispute turns into a lawsuit, it generally heads to the Twenty-First Judicial District Court. That court has original jurisdiction of all civil and criminal matters in Livingston, St. Helena, and Tangipahoa Parishes.
The 21st Judicial District Court sits at 20300 Government Blvd, Livingston, LA 70754, the Livingston Parish Courthouse, which handles most civil filings for the parish. Andre P. Gauthier has been listed in The Best Lawyers in America since 2022 for personal injury litigation on behalf of plaintiffs.
That reflects the kind of ongoing courtroom work that matters when an insurer refuses to budge on a UM claim and a filing becomes necessary. Knowing which court will hear a dispute, and how that court’s filing process works, shapes how early documentation and witness statements get gathered.
Not always. Many UM claims settle once the insurer confirms the other driver’s coverage was insufficient. But if the company disputes fault or value, filing suit against your own insurer may become the only way to move the claim forward.
Uninsured motorist coverage applies when the at-fault driver has no liability insurance at all. Underinsured motorist coverage applies when that driver has insurance, but their limits are too low to cover what you lost.
Generally, no. Louisiana allows unstacked coverage only, so owning multiple insured vehicles usually does not increase the UM limits available on any single claim.
Generally, no, if the wreck was not your fault. Louisiana law bars an insurer from raising your rates, adding charges, or dropping your policy because of a crash you did not cause.
Figuring out what benefits are available on your policy takes time and a careful look at the paperwork. Our team can review your documents with you, discuss how your specific coverage applies to the crash, and make sure you understand Louisiana’s legal deadlines.
Reach out today for a free consultation to talk through your options.
As your dedicated and trusted Gonzales, LA, personal injury law firm, part of our responsibilities are defending your rights to
fair compensation against the aggressive, strong-arm tactics of insurance companies. We have spent decades fighting against
these tactics. We know how to stand up to them, that’s why we’re your Go2Laywers. The next time insurance adjusters come
calling, don’t talk to them. Direct them to your attorneys at Gauthier Amedee Injury Lawyers.
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