Earl & Messer, Attorneys at Law
Lawyers who Listen.


Blog page for the E&M Law Firm in Baton Rouge. 

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What is Uninsured Motorist (UM) Coverage?

According to data collected by the Insurance Information Institute, approximately 13% of Louisiana motorists don’t have the car insurance they are required by law to carry. If you are injured by one of these motorists in a serious car wreck, it can create a financial devastation for you. After all, most uninsured motorists in Louisiana are of lower financial means, and don’t have any assets to pay for your injuries if they are found at fault for causing the accident. That means, if you’re seriously injured by an uninsured motorist and have huge medical bills and a loss of wages, guess who will be on the hook to pay any bills that your insurance won’t cover  - you!

Why Uninsured Motorist Coverage is Important in Louisiana

There is hope, though. When you choose to pay for uninsured motorist coverage in the state of Louisiana, you’re paying for protection from these reckless, careless drivers who don’t follow the state’s auto insurance mandate. That means, if you’re injured by a driver who is either uninsured or underinsured, or injured in a hit and run, your UM coverage can help to pay for your’s and your injured passengers’:

  • Medical bills
  • Loss of wages
  • Mental pain and suffering
  • Vehicle repair
  • And more

We know that UM coverage is an extra line item on your auto policy, and that carrying it will increase your insurance premiums a bit. But, considering just how many drivers in Louisiana don’t carry proper insurance coverage, and the fact that serious car wrecks can be devastating, can you really afford not to pay a little extra for UM coverage?

Should You Always Assume It Isn’t Worth Pursuing a Personal Injury Case if You’re Hit by an Uninsured Motorist

While it’s likely that if you’re hit by an uninsured or underinsured Louisiana driver, he or she doesn’t have the financial means to pay for your losses, you shouldn’t just assume so. Every year hundreds of Louisiana residents with assets simply forget to renew their auto insurance payment on time. These people, who are often just too busy with work and family responsibilities, may have the financial means to pay for your medical bills, loss of wages, vehicle repair and pain and suffering. That’s why any time you are injured by an uninsured or underinsured motorist - even if you have UM coverage - we recommend you call the Earl and Messer Law Firm to discuss your case.

Call Us for a Free Consultation

If you’re injured in a car accident by an uninsured or underinsured motorist, we want to help. At the very least, we can offer you a free consultation to listen to your case and give you our honest opinion of whether or not it is worth pursuing in court based on the offending party’s financial means. To schedule a free consultation with the Earl and Messer Law Firm today, call (225) 687-1111.