Loyd J. Bourgeois Injury & Accident Lawyer secured the full uninsured motorist (UM) insurance policy limits for a 42-year-old Metairie woman who suffered a herniated cervical disc when an uninsured driver rear-ended her at North Causeway Boulevard and West Metairie Avenue.
Case at a Glance
- Case Type: Rear-end car accident involving an uninsured driver
- Location: North Causeway Boulevard and West Metairie Avenue, Metairie, Jefferson Parish, Louisiana
- Client: 42-year-old woman from Metairie
- Accident Details: An uninsured driver struck the client’s vehicle from behind while she was stopped at a red light
- Injury: Herniated cervical disc at C5-C6, causing persistent neck pain, sleep difficulties, and disruptions to work and family responsibilities
- Case Challenges: The client’s own insurance company resisted paying fair compensation despite medical evidence documenting her injuries
- Key Evidence: Medical records establishing the cervical disc herniation and its connection to the collision
- Final Recovery: Full uninsured motorist (UM) insurance policy limits
- Resolution: Settlement obtained through insurance negotiations
It was an ordinary day for our 42-year-old client from Metairie, Louisiana—until everything changed in an instant. As she waited at a red light at the intersection of North Causeway and West Metairie, a driver slammed into the back of her car without warning.
There was no time to brace for impact.
The collision caused a painful herniation at her C5-C6 vertebrae, a common but serious result of whiplash injuries. The pain wasn’t just physical—it disrupted her daily life, made it difficult to sleep, and complicated her ability to work and care for her family.
To make matters worse, the driver who hit her didn’t have insurance.
Fortunately, our client had taken the step of protecting herself with uninsured motorist (UM) coverage. Still, even with her own coverage in place, the path to recovery wasn’t easy. The insurance company didn’t jump to offer fair compensation. They pushed back, hoping to minimize what they would pay, even though her medical records clearly showed the severity of her injury.
We stepped in to handle the pressure and took over all communication and negotiation. Our team gathered strong medical evidence and showed how this injury affected not just her spine, but her entire life. Because of the way her policy was written and the clear link between the crash and her neck injury, we were able to secure the full UM policy limits.
This wasn’t just a legal win. It meant our client could stop worrying about how to cover her bills and focus on healing.
