In many states, it is the law to have valid auto insurance while driving. Yet, the Insurance Information Institute (III) notes that approximately 13 percent of motorists in the U.S. drive without the insurance they are required to have.
People who drive without an insurance policy do so at the risk of being unable to financially cover the costs of an accident they caused. However, a Meaux uninsured car accident lawyer may be able to help you build a personal injury case against the uninsured motorist so that you do not have to bear the financial costs of a collision caused by them.
Call Laborde Earles Injury Lawyers today at (318) 777-7777 for more details about how our team may be able to hold an uninsured motorist responsible for the harm they caused you or your loved one.
Your Lawyer May Need to Review Your Insurance Coverage Policy
The Louisiana Department of Insurance (LDI) explains the minimum insurance requirements that all motorists in Meaux are required to have. Minimum coverage includes:
- $15,000 for bodily injury caused to others, for a single person
- $25,000 for damage to another person’s property
- $30,000 for bodily injury caused to multiple people
These coverage limits may be enough to cover your losses in any given accident. A motorist who does not have auto insurance may also not be able to financially cover the damage they cause others to suffer.
If you have uninsured motorist coverage, your policy may protect you from the actions of an uninsured motorist. Louisiana Revised Statutes (RS) §22:1295 explains what uninsured motorist policies cover, what they do not cover, and what the limits of these policies might be.
If you do have uninsured motorist coverage, a lawyer may handle your insurance claim. They can protect you from making harmful statements, explain their strategy for seeking insurance compensation, and handle communications with the insurance company. They will aim to seek the best possible insurance settlement that they can.
If your lawyer is not able to secure compensation for your losses through insurance for any reason, they may file a lawsuit against the party or parties responsible for your losses.
Multiple Parties May Owe You Compensation
Motorists who act in a careless manner and cause accidents as a result may be financially responsible for the losses that they cause. Motorists who choose not to carry sufficient insurance coverage may expose themselves to a greater amount of liability than someone who has insurance to cover some or all of the damage that they cause.
Your lawyer can explore the merits of bringing a lawsuit against the party or parties responsible for your accident. An uninsured motorist might be the most obvious target for liability in your accident case, but other parties may be potentially liable as well. Potentially liable parties may include:
- A municipality that failed to provide safe road conditions
- An establishment that overserved an uninsured drunk driver
- An employer whose employee was driving without valid insurance while working
- A mechanic, vehicle manufacturer, or vehicle component manufacturer whose work or product caused a malfunction
Accidents can be complex, and multiple factors may contribute to your collision and losses. Your Meaux uninsured car accident lawyer may review the circumstances of your collision when assigning liability and seeking compensation.
Call Laborde Earles Injury Lawyers today at (318) 777-7777 for a free consultation.
For a free legal consultation with a uninsured car accident lawyer serving Meaux, call (337) 777-7777
How a Lawyer May Help You in Your Uninsured Motorist Case
When you hire a lawyer to handle your uninsured car accident lawsuit, they can take on several legal responsibilities. Your lawyer may have handled uninsured car accident lawsuits in the past and may be familiar with the process for filing lawsuits, negotiating settlements, and resolving claims.
Your lawyer may begin by gathering the facts surrounding your accident. This may include determining how an uninsured motorist caused your collision. The motorist might have been doing one or more of the following:
- Speeding, making them unable to brake before causing a collision
- Driving while intoxicated by alcohol and/or drugs
- Driving too closely to your vehicle
- Running a red light or stop sign
- Making a dangerous turn or lane change
Whatever the specific cause of your accident was, your lawyer may identify that cause and document it to the greatest possible extent. They may show how your accident occurred by:
- Gathering any video that shows your accident happened
- Obtain photographs and videos of the post-accident scene
- Interview witnesses and record their accounts
- Hire experts to recreate your accident
Your lawyer may also handle the administrative aspects of a lawsuit, from drafting and filing the lawsuit to handling communications with lawyers, judges, and any other parties who are part of the litigation process. Your lawyer can defend your rights, provide counsel throughout the legal process, and seek the greatest possible outcome in terms of compensation.
Awards You May Be Able to Receive After Filing a Lawsuit
Your lawyer will fight to obtain compensation to cover your accident-related losses. You may be able to win compensation to cover the following damages:
- Your medical costs
- Income you lost because of needing to recover from your injuries
- The cost of physical rehabilitation
- The cost of psychological counseling for mental trauma
- Damage to your vehicle
- The cost of vehicle replacement if your car got totaled in the accident
- Pain and suffering
- Costs that come from losing a loved one
A lawyer may file either a wrongful death or personal injury lawsuit, depending on your specific circumstances.
Meaux Uninsured Car Accident Lawyer Near Me (337) 777-7777
Call Laborde Earles Injury Lawyers Today
Dealing with the fallout from an uninsured motorist accident may not be pleasant, especially if you were injured or lost a loved one from such an accident. A Meaux uninsured car accident lawyer may handle the legal process on your behalf while you focus on your recovery.
Call Laborde Earles Injury Lawyers today at (318) 777-7777 for more details about how we can help you with your uninsured motorist case.