The Insurance Information Institute (III) reports that 13% of drivers in Louisiana are without the proper insurance, and therefore may be putting others at great financial risk should they cause an accident.
Being involved in a collision with an uninsured motorist can be stressful. If you are facing this situation, a New Orleans uninsured motorist accident lawyer from Laborde Earles Injury Lawyers to handle your insurance claim or personal injury lawsuit on your behalf. We may be able to help you recover compensation for your medical bills, lost wages, property damage, and more.
Call Laborde Earles Injury Lawyers today at (504) 777-7777 for a free consultation on your case with a member of our team. We offer representation on a contingency-fee-basis.
Uninsured Motorist Coverage May Apply in Your Case
Your ability to obtain compensation for an uninsured motorist accident through insurance may depend on the specifics of your policy. Uninsured motorist coverage may be of particular concern when your losses are the result of a motorist without an active auto insurance policy or with insufficient coverage.
Louisiana Revised Statutes (RS) §22:1295 states that car insurance companies in Louisiana must offer their customers uninsured and underinsured motorist (UM) coverage and that customers must intentionally reject UM coverage when selecting their policy to have it removed. Unless you have done this, then you may have automatically received some amount of UM coverage on your insurance policy.
You may want to use any UM coverage that you have been paying for through your insurance premiums after an accident with an uninsured motorist. Laborde Earles Injury Lawyers can handle your UM insurance claim and seek fair compensation on your behalf.
While you certainly have the right to handle your uninsured motorist insurance claim on your own, there are several reasons why you may choose to have a lawyer handle the process on your behalf.
Laborde Earles Injury Lawyers understands the statutes and standards relevant to car accident cases and UM coverage in Louisiana. We can examine your accident, your losses, and read the fine print of your policy when we represent you. We can also handle all communications with your own insurance company on your behalf, so you do not need to be worried about making statements that may cause your insurer to reduce or deny your claim.
If your insurance company refuses to make you a fair settlement offer based on your accident and your UM policy, a New Orleans uninsured motorist accident lawyer from Laborde Earles Injury Lawyers may be able to file a lawsuit against them on your behalf.
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A Lawsuit May Be Appropriate for Your Case
Uninsured motorist insurance coverage may be the initial way that you pursue compensation, but it may not be the only way. Despite not having insurance, a motorist may have assets that are recoverable in a personal injury lawsuit should your losses exceed your UM insurance coverage.
Other circumstances in your accident could make non-driver third parties responsible for your losses. This may include:
- An employer, if the uninsured motorist was driving a vehicle as part of their job
- A municipality, if hazardous road conditions contributed to your accident in some way
- A negligent car mechanic, if a mechanical failure caused your accident
Those who manufacture vehicles and vehicle parts could also be financially responsible if their product’s failure contributed to your accident or failed to protect you from harm in some way. In these and certain other circumstances, bringing a lawsuit may be an appropriate way for you to pursue compensation.
To discuss the details of your case in a free consultation with a member of our team, call Laborde Earles Injury Lawyers today at (504) 777-7777.
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How Laborde Earles Injury Lawyers Can Handle Your Case
When you work with a New Orleans uninsured motorist accident lawyer from Laborde Earles Injury Lawyers on your case, we can handle as much of the legal process on your behalf as possible. This may include:
- Filing your lawsuit in the appropriate venue while remaining cognizant of any deadlines
- Obtaining and organizing evidence, perhaps with assistance from professional investigators
- Recording and utilizing witness testimony within your case for awards
- Calculating the value of your current losses and projecting future losses
- Handling correspondence with others involved in your case, such as insurance companies, attorneys, and judges
- Negotiating for a settlement on your behalf
- Taking your case to trial if it is necessary to do so
We can also keep you informed on the progress of your case at all stages so that you can focus your time and energy on your recovery.
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Damages in a Car Accident Case
Depending on the details of the accident and what methods you have available for pursuing compensation, the following damages may be recoverable in a car accident case with an uninsured motorist:
- Your current and future accident-related medical costs
- Lost wages for the time you missed work during your recovery
- Property damages
- Pain and suffering
- And more
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Call Laborde Earles Injury Lawyers Today
Being in a car accident can be difficult in many ways, and realizing that the motorist who struck you was uninsured can increase your uncertainty and frustration after a collision. Fortunately, you do not need to face this situation alone. A New Orleans uninsured motorist accident lawyer from Laborde Earles Injury Lawyers may be able to handle the insurance and legal processes in your case when we represent you.
Call Laborde Earles Injury Lawyers today at (504) 777-7777 for a free consultation about our services with a member of our team. Do not wait to call, as Louisiana Civil Code (CC) §3492 mandates a general one-year statute of limitations, or legal time limit, on personal injury lawsuits in Louisiana.
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