Louisiana & Uninsured Motorist Law
In Louisiana, car accident claims are handled on a traditional fault system. When you’re involved in a crash caused by someone else’s negligence, you’ll go through the responsible person’s insurance company to pursue compensation. You may find yourself in a situation if the other driver doesn’t have adequate insurance coverage. Louisiana implements limits that all drivers must adhere, yet there’s still a small percentage of drivers who don’t have insurance at all.
If you are injured in an accident and the at-fault party doesn’t have insurance, it’s essential to have uninsured motorist coverage. An accident involving an uninsured driver means you will have to go through your own insurance company using an uninsured motorist claim.
Why You Should Have Uninsured Motorist Coverage
If you don’t have this coverage, you run the risk of being unable to file a claim in this type of accident. In Louisiana, the auto insurance limits dictate that drivers must carry at least $15,000 in bodily injury coverage per person involved in an accident. If your damages go beyond this amount, you can also go through your own underinsured coverage to recover the rest of the compensation.
Uninsured motorist coverage can also help should you find yourself in a hit and run accident. In a crash where the negligent driver leaves the scene, there’s no way of knowing who he or she used for insurance. Uninsured motorist lets you go through your own insurance provider to seek the compensation you need.
Protect Your Rights
Insurance companies are not always looking to protect claimants. If your own insurance company is trying to increase your premium for filing an uninsured motorist claim or they’re denying your rights for a policy for which you pay, you have the right to protect yourself.
In many situations, claim denials can lead to lawsuits. It’s important for you to have legal counsel on your side who knows the insurance companies inside and out. Working with the Bono Law Firm allows you to understand your policy and the tactics the insurance company may try to use to wrongfully deny your claim.
The Bono Law Firm makes it our top priority to protect your rights through these complex matters. Call to discuss your potential case with our team. We offer free consultations.
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