According to the Louisiana Department of Insurance, all drivers in Louisiana are required to carry a minimum amount of auto insurance to operate a vehicle legally on Louisiana roads. Unfortunately, many drivers break the law and do not carry insurance. This can be devastating to victims in car accidents who have difficulty recovering their financial and personal losses.
Laborde Earles Injury Lawyers represents clients in uninsured motorist accidents. An Alexandria uninsured motorist lawyer from our firm may be able to help you find compensation for your injuries and other damages if you have been involved in this type of accident.
For a free consultation on your case with a member of our team, call (318) 777-7777. We may be able to represent you on a contingency-fee basis with no advanced payment necessary.
Louisiana Car Insurance Laws
Unlike other states, Louisiana does not have a “no-fault” law regarding auto insurance. This means that the at-fault party’s insurance company is liable for compensating the victim in a car accident. For this reason, Louisiana law requires all drivers to carry a minimum amount of insurance, including:
- Bodily injury liability coverage: $15,000 for one person/$30,000 per accident
- Property damage liability coverage: $25,000
You may also have the option of purchasing uninsured motorist coverage. This type of coverage may allow you to recover compensation from your own insurance company if an uninsured motorist injures you in an accident.
If You Were Not Carrying Insurance
If you are the victim in a car accident but do not carry any insurance, you may still receive compensation. However, RS 32:866, also known and Louisiana’s “No Pay, No Play” law, limits how much compensation you can receive. You may be responsible for paying the following amounts before insurance covers the rest of your damages:
- The first $15,000 of bodily injury damages
- The first $25,000 of property damages
Do not let this law discourage you from taking legal action if another driver caused your injuries while you were driving without insurance. You still may be able to recover a substantial portion of your damages. Call Laborde Earles Injury Lawyers to learn more.
For a free legal consultation with a uninsured motorist accident lawyer serving Alexandria, call (318) 777-7777
How to Pursue Compensation in an Uninsured Motorist Accident Case
If an uninsured driver caused you accident, you may still be able to recover compensation through the following three options:
If you have uninsured/underinsured coverage on your policy, you may be able to file a claim against your own insurance company if an uninsured driver caused your damages.
File a Lawsuit Against the At-Fault Driver
Your insurance policy may not cover all of your damages. However, you may be able to recover some of your losses by suing the uninsured driver. We can look at the responsible party’s assets to determine if they can compensate you for your damages.
Identify Other Sources of Compensation
If your insurance company or the at-fault driver does not compensate you for your damages, we may be able to look at other options for recovering your losses. This could mean locating a third party that contributed to the accident, such as a negligent mechanic or municipality.
An Alexandria uninsured motorist lawyer from Laborde Earles Injury Lawyers can investigate your case, identify the liable parties, and advise you on how to pursue compensation when we represent you.
If an uninsured driver caused your accident, or if you were injured by another driver while you were driving without insurance, Laborde Earles Injury Lawyers may be able to help you. Call us at (318) 777-7777 for a free consultation on your case.
Alexandria Uninsured Motorist Accident Lawyer Near Me (318) 777-7777
How to Prove Liability in a Car Accident Case
In a car accident case, you typically must prove that the other driver’s negligence is what caused the wreck that led to your injuries. Laborde Earles Injury Lawyers can handle this task when an Alexandria uninsured motorist lawyer from our firm represents you. We can obtain evidence of fault and liability, such as:
- Photos and video footage
- Eyewitness statements
- Expert testimony
- Clues at the scene of the accident
- Medical reports
- Police reports
Damages in an Uninsured Motorist Accident Claim
In a car accident claim, you may be entitled to receive compensation for both economic and non-economic damages. What your case is worth depends on the extent of your losses and how the accident happened. We may be able to help you claim the following damages:
Car accidents often cause extensive injuries. As such, you may pay for a wide range of medical treatments such as emergency medical care, surgical procedures, hospital stay, rehabilitation, or doctor visits. If you are disabled by your injuries, you may also have ongoing medical treatment and possibly adjusted living expenses.
Lost income may include a combination of lost wages, benefits, bonuses, tips, or other sources of income. It may also include reduced earning capability.
Pain and Suffering
Pain and suffering can include both physical suffering and emotional or mental turmoil. We can explore how the accident impacted your life to determine the value of these types of damages.
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How We Can Help You With Your Case
Laborde Earles Injury Lawyers are dedicated to helping you with every aspect of your case. Our lawyers provide comprehensive legal services to ease the burden of submitting your own personal injury claim. We can help you establish fault and liability, calculate your damages, and engage with all parties on your behalf.
We can also negotiate for a settlement with the insurance company or at-fault party. If necessary, we can take your case to trial. We will continue to fight for your rights at all stages of your case.
Contact Laborde Earles Injury Lawyers Today
If you are ready to move forward with your personal injury claim, contact Laborde Earles Injury Lawyers. The sooner you call us, the sooner an Alexandria uninsured motorist lawyer from our firm may be able to begin working your case.
For a free, no-obligation consultation on your case with a member of our team, call (318) 777-7777.