Uninsured Motorist Accident Lawyer in Baton Rouge

Blindsided by a driver with no insurance in Baton Rouge, Prairieville, or Central? You didn’t ask for this. But now that it’s happened, you deserve someone who knows how to fight back—and win. At Gordon McKernan Injury Attorneys, our job is to lift the legal weight off your shoulders so you can focus on healing. Our experienced Baton Rouge uninsured driver accident attorneys know the frustration of dealing with drivers who ignore the law—and we’re here to make it right.

When the person who caused your accident doesn’t have insurance—or doesn’t have enough—you’re left wondering, “What now?” That’s where we come in. Our uninsured motorist accident lawyers in Baton Rouge have helped hundreds of clients get the compensation they need to move forward with confidence.

What to Do if You Are Hit by an Uninsured Driver in Baton Rouge

You’ve been in a wreck. You’re shaken up, your car’s a mess, and to top it off—you find out the other driver isn’t insured. We get how overwhelming that moment feels.

Step one? Get medical attention. Even minor injuries can sneak up on you. Step two? Call a Baton Rouge lawyer for uninsured motorist accident victims. It’s the best way to protect your rights before insurance companies start playing games.

The good news is Louisiana law allows you to file a claim under your uninsured motorist (UM/UIM) coverage. The tricky part is insurance companies rarely make it easy. That’s why clients across Baton Rouge trust Gordon McKernan Injury Attorneys—we know the system, and we know how to make it work for you.

Here in Louisiana, it’s illegal to drive without liability insurance. But as we know too well, illegal doesn’t mean uncommon. The minimum required coverage includes:

• $15,000 in bodily injury per person
  
• $30,000 per accident
  
• $25,000 in property damage
  

Unfortunately, not everyone plays by the rules. In fact, according to the Insurance Information Institute, 14% of Louisiana drivers were uninsured in 2022. That’s roughly one in every ten drivers on the road today. 

That’s why we recommend not just having uninsured motorist coverage but also knowing your legal options. As your trusted Baton Rouge uninsured motorist injury lawyers, we help you use the law to your advantage when others don’t follow it.

Understanding Uninsured Motorist Coverage in Baton Rouge

Let’s be real insurance jargon can be overwhelming. But when you’ve been hit by an uninsured driver, understanding your coverage is key. Don’t worry, we’ll break it down for you.

UM Bodily Injury Coverage

This is the MVP of your coverage. It helps pay for things like doctor visits, hospital stays, missed work, and even your pain and suffering if the other driver has no insurance—or not enough to cover your losses.

UM Economic-Only Coverage

This option focuses solely on the dollars-and-cents: medical bills, repair costs, and lost wages. It won’t cover emotional damages, but it’s better than nothing—and we’ll help you squeeze every drop of value from it.

UM Property Damage Coverage

If your car got crunched, this coverage can help you repair or replace it. Most policies cap this at $25,000 or the vehicle’s actual value—whichever is lower.

Not sure what you have? That’s where our team shines. Our Baton Rouge lawyer for uninsured motorist claims will review your policy for free and explain what you’re entitled to, in plain English.

Louisiana’s “No Pay, No Play” Law

Let’s talk about a tough one: Louisiana’s “No Pay, No Play” law (LA R.S. §32:866). Basically, if you don’t have insurance, the law limits what damages you can recover—even when the accident isn’t your fault.

But every rule has exceptions:

• Medical expenses over $15,000
• Property damage over $25,000
• The at-fault driver was drunk or committed a felony
• You were the victim of a hit-and-run
• You’re from a state that doesn’t require car insurance
  

Navigating this law can feel like walking through a legal minefield. Don’t do it alone. A seasoned lawyer for uninsured motorist collisions in Baton Rouge can guide you through every twist and turn.

Legal Options for Uninsured Driver Accidents Near Central

You deserve better than to be stuck with bills after someone else’s mistake. And with us in your corner, you won’t be.

When you work with our Baton Rouge personal injury lawyers for uninsured accidents, we fight for compensation for:

• ER visits, hospital stays, and follow-up care
• Prescription medications and mobility aids
• In-home care or therapy
• Car repair or replacement costs
• Lost income from missed work
• Pain, suffering, and mental anguish
• Loss of quality of life
  

If you’ve lost a loved one due to a crash caused by an uninsured driver, we’re here to walk you through a wrongful death claim with compassion and clarity.

Why Choose Gordon McKernan for Your Uninsured Car Crash Case?

At Gordon McKernan Injury Attorneys, we bring the fight—and the heart. When your life is flipped upside down by someone else’s negligence, you need more than a lawyer. You need an advocate.

Here’s why folks across Baton Rouge, Prairieville, and Central trust us with their toughest moments:

• Decades of winning experience with car accidents involving uninsured drivers in Baton Rouge
• Personalized service from your own dedicated attorney
• Clear communication at every step—no surprises, just support
• No fees unless we win. That’s the G Guarantee
  

We’re not just here to file paperwork. We’re here to make sure you don’t get pushed around.

What to Do After Being Hit by an Uninsured Driver in Baton Rouge

Take a breath. You’ve got this—and we’ve got your back.

1. Call 911 and make sure a police report is filed
2. Seek medical care, even if you feel “okay”
3. Document everything—photos, names, and witness statements
4. Report the crash to your insurer
5. Call a trusted Baton Rouge lawyer for uninsured motorist insurance disputes
   

The sooner we’re involved, the faster we can protect your claim and build your case.

Contact Our Uninsured Motorist Accident Lawyer Near Prairieville Today

At Gordon McKernan Injury Attorneys, we’re more than just attorneys specializing in uninsured motorist claims—we’re your voice when you feel unheard. Whether your accident happened on a busy Baton Rouge highway, in Prairieville traffic, or a quiet road in Central, we’re ready to step in and take it from here.

You don’t have to face the insurance companies alone. We’ll handle the calls, the claims, the negotiations—and if needed, the courtroom.

Call us now at 225.888.8888 or contact us online for your free, no-obligation consultation.

Let us help you get your life back on track—with dignity, compassion, and a team that doesn’t back down.

Get Gordon. Get It Done.