The main goal of having an insurance cover is to seek compensation when an accident happens. Unfortunately, no one knows when an accident will happen, and there may not be an insurance cover when it occurs. This does not mean that you will not receive compensation for your injuries.
Louisiana law requires all drivers to have liability insurance. However, there are many reasons why people do not have insurance at the time of the accident. According to the National Associations of Insurance Commissioners (NAIC), approximately 13% of all drivers do not have insurance. If you have sustained injuries while still lacking insurance cover, you can still get compensated.
An Abbeville uninsured car accident lawyer can show you why your claim falls under one of the exceptions to the “No Pay, No Play” law. After evaluating your case for free, an uninsured car accident lawyer will begin the process of helping you get compensation.
Let Laborde Earles Injury Lawyers help you navigate the legal technicalities in personal injury claims involving parties with no insurance. We will use our resources to your advantage. Call us today at (337) 777-7777 for a free case evaluation.
What You Should Know About the “No Pay, No Play” Law
Louisiana is a “No Pay, No Play” state, which means that there are certain provisions that bar uninsured injured parties from receiving full compensation for bodily injuries or property damages. The “No Pay, No Play” law should not discourage you from pursuing your claim. This is because there are various exceptions to the law, which will make it possible for you to receive compensation.
For a free legal consultation with a uninsured car accident lawyer serving Abbeville, call (337) 777-7777
Exceptions to the “No Pay, No Play” Law
The “No Pay, No Play” law means that an uninsured injured party will have to cover a certain percentage of the cost of their bodily injuries and property damages. According to Louisiana Civil Code (CC) Art. 32:866, an uninsured injured party will not receive the first $15,000 for bodily injury or $25,000 for property damages.
The following exceptions allow uninsured injured parties to recover the full compensation:
- If the vehicle hit in the accident was legally parked
- If the parties involved in the accident are out-of-state residents
- If the injured party is only a passenger of the car
- If the liable party flees the scene
- If the driver intentionally caused the accident or is in the commission of a felony when the accident occurred
An uninsured car accident lawyer can determine if your case falls under the above exceptions. Even if you had no insurance at the time of the accident, getting compensated is possible after proving an exception to the “No Pay, No Play” law.
An Abbeville uninsured car accident lawyer will review your case, gather evidence, and call in expert witnesses to prove that your case falls under the exceptions. Get in touch with Laborde Earles Injury Lawyers at (337) 777-7777 today and let us help you recover compensation.
Abbeville Uninsured Car Accident Lawyer Near Me (337) 777-7777
Common Mistakes to Avoid After an Uninsured Car Accident
Many people involved in car accidents unknowingly make certain mistakes that not only hurt their claim but also make it look like they are the liable party. The other party’s insurance company often takes advantage of such mistakes by refusing to settle or lowering their settlement offer.
Here are common mistakes you should avoid after an uninsured car accident:
- Leaving the scene of the accident
- Talking to or apologizing to the other party
- Not seeking a lawyer’s help as soon as possible
- Going straight home after the accident
- Not gathering evidence or talking to the police
- Accepting payments from the liable party
An accident is a traumatic event, and, understandably, you want to leave the scene of the accident immediately. If you are the injured party, wait until the police get there and ask them if it is okay to leave. Talking to or apologizing to the other driver or their insurance company may hurt any future claims you make. This is because anything you say can get used against you.
Getting a lawyer as soon as possible after an accident can improve the chances of winning your claim. The lawyer will provide you with legal counsel on what you should do. This will help you avoid making any further mistakes that will negatively affect your claim. Going straight home is wrong because you should seek medical attention immediately after the accident.
Many individuals often experience shock after an accident, which prevents them from realizing the full extent of their injuries. Even if you feel no pain at all, go to a doctor. Medical records are important in proving that your injuries are due to the accident. You can improve the chances of winning your claim by gathering evidence at the scene of the accident. This entails getting the other party’s insurance information and acquiring the witnesses’ contact information.
Accepting any payment is a mistake because you do not know the cost of your injuries or the extent of property damage. Seek the help of a lawyer for any decision making or talking to the liable party’s insurance company.
What to Do if Neither Party Has Insurance
In some cases, both parties involved in a car accident do not have insurance. If you are the uninsured injured party, you can still pursue compensation from the liable party. However, they will have to settle the claim out of their own pocket. If your case meets the exceptions in the “No Pay, No Play” law, you can recover full compensation. The best thing to do after sustaining injuries or property damages in an accident where both parties have no insurance is to connect with a lawyer.
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Reach Out to Laborde Earles Injury Lawyers Today
It can be frustrating after sustaining injuries in a car accident when you had no insurance cover. Reach out to an Abbeville uninsured car accident lawyer at Laborde Earles Injury Lawyers today and receive a free case evaluation. Contact us at (337) 777-7777 and let us help you recover compensation for your bodily injuries and property damages.