According to the Louisiana Department of Insurance (LDI), every registered vehicle owner in Lake Charles must purchase and maintain the state’s minimum liability insurance coverage. A vehicle owner who does not have insurance might face fines of up to $1,000 for failure to comply. When you are involved in an accident with an uninsured driver, you may have options that might help you recover from its financial consequences.
An accident caused by an uninsured driver should not create financial hardship for you. If you or someone you love was injured in an accident with a driver who was uninsured, a Lake Charles uninsured motorist accident lawyer might be able to help you identify other ways to pursue the at-fault driver or take advantage of optional coverage in your own insurance policy for compensation. Contact a personal injury team member at Laborde Earles Injury Lawyers by calling (337) 777-7777 today.
Bring Us a Comprehensive Copy of Your Insurance Policy
In Louisiana, uninsured and underinsured motorist coverage is an optional part of your insurance. Depending on the coverage options you select, your own insurance company might protect you from the negligent actions of an uninsured driver. If you provide a copy of your insurance policy to our team members, we may be able to thoroughly scrutinize it for the following optional coverages, which might help protect you financially if you are injured in a car accident by an uninsured driver.
Medical Payments Coverage
Medical payments coverage might compensate you for the medical care you need for a specified period of time after an accident. If a member of your family is fatally injured in a car accident, medical payments coverage might also pay for funeral and burial expenses for your loved one. This optional policy will cover you, any passengers in your car, and any injured family members without regard to fault.
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage protects you if a driver has insufficient insurance or no insurance at all. It will cover any physical damage you sustain and might also provide coverage for passengers in your vehicle and protect you in the event of a hit and run accident.
Uninsured and Underinsured Motorist Economic-Only Coverage
Uninsured and underinsured motorist economic-only coverage provides coverage of the physical injuries you sustain in a car accident. It may cover your necessary medical care costs but will not provide additional coverage for the pain and suffering that might follow a collision.
Uninsured and Underinsured Motorist Property Coverage
This protection covers the cost of the repairs your vehicle might need to return it to its pre-accident condition. The amount you are able to recover might be limited if you have liability insurance, and you might have to pay a small deductible to take advantage of this optional part of your policy.
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Calculate What Your Uninsured Motorist Policy Covers
The medical care you require after a car accident can be extensive, and your costs of treatment may add up quickly. When our team examines your insurance policy, we may look for every available option for you to get protection for the following accident-related costs:
- Injury and treatment-related medical bills
- Injury and treatment-related income loss
- Physical and emotional pain and suffering
- Property restoration or replacement
- Physical disability or disfigurement
Provide us with a complete copy of your insurance policy for review. Our team can help you understand your coverage options and assign an accurate value to your claim for financial compensation after an uninsured driver injured you.
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Contact Our Personal Injury Team Right Away
Louisiana Civil Code (CC) §3492 generally entitles you to one year from the date of an accident with an uninsured motorist to file a personal injury lawsuit. This statute of limitations is an important part of your potential recovery action because failing to adhere to it could put your right to compensation at risk. When you involve our team in your financial recovery process, we might be able to ensure your personal injury lawsuit is filed on time.
You may be able to get a full understanding of how time might impact your ability to file a lawsuit for compensation after a car accident from a Lake Charles uninsured motorist accident lawyer.
For a free consultation on your case with a member of our personal injury team, call Laborde Earles Injury Lawyers today at (337) 777-7777.
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We Might Be Able to Negotiate a Financial Settlement
When you or a member of your family is injured in a car accident, you might normally expect to conduct settlement negotiations with the at-fault driver’s insurance company. If the driver who caused the accident did not maintain insurance, you might have to negotiate compensation for your recoverable damages with your own insurance company.
Through settlement negotiations, you might recoup the financial expenses and losses of the accident from the uninsured motorist portion of your policy. Our legal team may help you negotiate the financial coverage you might be entitled to. We might start by creating a clear picture of your financial damage and explaining the negotiation process. Our goal is to negotiate a favorable settlement on your behalf.
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We Help Injured Clients Seek Financial Recovery
The days and weeks after any car accident can be stressful and complicated. When the driver who caused your accident was uninsured, your stress and frustration might be increased.
You do not have to accept the financial burden of a car accident if the at-fault driver did not have insurance. A Lake Charles uninsured motorist accident lawyer might be able to help you explore other options for financial compensation. Contact Laborde Earles Injury Lawyers by calling (337) 777-7777 today.
Get The HelpYou Need(337) 777-7777To Schedule a FREE CONSULATION
24 hours a day • 7 days a week
