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What to do After an Accident with an Uninsured Motorist

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It’s an unfortunate fact that approximately one in seven drivers in the United States do not have auto insurance. So what should you do if you’re hit by a driver who has no insurance? There’s no single correct answer to that question, because it depends upon the unique circumstances of your particular case.

In many cases, the injuries and damages caused by this type of accident will be paid for by your own insurance company – as long as you have purchased Uninsured Motorist coverage as part of your policy. If you do not have Uninsured Motorist coverage it may be difficult for you to get any compensation at all for your injuries and vehicle damage. Because of this, the best way to protect yourself is to purchase a significant amount of Uninsured Motorist insurance coverage.

If you do have Uninsured Motorist coverage, you need to file a claim for damages with your own insurance company. Unfortunately, many people are reluctant to file these types of claims because they think it will cause their insurance company to raise their rates. That’s simply not true – because there is actually a law in Louisiana that prevents insurance companies from raising your rates if you file an uninsured motorist claim.

So what happens if you don’t have Uninsured Motorist coverage? You have the right to sue the other driver for damages if they were at fault for the accident. However, the only way that this will result in you receiving significant compensation is if the other driver has enough assets to pay you.

As a general rule, it’s a good idea to consult an attorney to discuss your options if you’re involved in an accident caused by an uninsured motorist.


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If you or a loved one are injured in an accident through no fault of your own, you should seek legal assistance immediately. At Morrow, Gates and Morrow, LLC. our attorneys are highly experienced in handling personal injury cases of all types and will work hard to get you the compensation you deserve.

Disclaimer: The blog posts from Morrow, Gates & Morrow consist of hypothetical scenarios, opinions and generic information. These scenarios are in no way meant to assess blame on any party in real-life situations and are presented for informational purposes only.

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James "Jim" S Gates, Personal Injury Attorney
John Michael Morrow,Jr, Personal Injury Attorney
William "Will" P Morrow, Personal Injury Attorney

Contact us right away by phone (337) 942-6529 after any personal injury. Morrow, Gates & Morrow, LLC. can review your case and help you get compensated and hold the other party responsible.

If you have been in an accident, do not hesitate to get help.

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Legal Disclaimer: The content of Morrow, Gates and Morrow LLC’s website is for informational purposes only. Do not construe the content and information of this website to be legal advice. Morrow, Gates and Morrow, LLC. does not promise or guarantee any result for services rendered. The blog posts from Morrow, Gates & Morrow consist of hypothetical scenarios, opinions and generic information. These scenarios are in no way meant to assess blame on any party in real-life situations and are presented for informational purposes only.