What Are My Options after a Collision with an Uninsured Driver?
If you were injured by a drunk, distracted, or negligent driver, you should expect that motorist’s insurance carrier to cover your losses. Unfortunately, 13.9 percent of drivers in Louisiana were uninsured in 2012. If you were hurt by an uninsured motorist, you may be wondering how you will pay for your medical bills, lost income, and other damages.
Fortunately, there are several potential ways to cover your losses after a crash with an uninsured driver. A Marksville car wreck lawyer from Laborde Earles Law Firm can evaluate your case, examine your insurance policies, and help you determine the best way to proceed. Call 800-522-6733 today to schedule a free consultation.
What Are My Options after an Accident with an Uninsured Driver?
If the driver who caused your accident is uninsured, you may be able to recover compensation by filing a claim against your own uninsured motorist (UM) insurance. In the state of Louisiana, all insurance carriers are required to offer UM coverage, but you can reject this coverage by filing the appropriate paperwork.
Unfortunately, even if you have UM coverage, your insurer may look for a reason to deny or undervalue your claim. This is where an auto accident attorney can help. Your lawyer can gather the necessary evidence to prove that you have a valid claim, and insurers tend to take claims filed by attorneys more seriously.
Personal Injury Protection
If you do not have UM coverage or if your policy limits are too low to cover all of your damage, your attorney may turn to your Personal Injury Protection. PIP coverage will pay for your lost wages and medical expenses no matter who caused the collision.
File a Claim against the At-Fault Driver
If you do not have UM or PIP coverage, or if the cost of your damages exceed your policy limits, your lawyer may recommend that you file a claim against the at-fault driver. Unfortunately, drivers who do not purchase auto insurance typically do not have the funds or assets to cover the damages they cause in collisions. As such, it may not be worth your time or money to file a claim against the at-fault driver.
If you were hurt or lost a family member in a crash with an uninsured or underinsured motorist, turn to Laborde Earles Law Firm for legal guidance. Recovering fair compensation after a collision often involves an uphill legal battle, and our attorneys will help you navigate the claims process.
A small mistake, such as accepting a settlement too early, overlooking certain damages, or making a recorded statement to the insurance adjuster, could harm your claim. An attorney from our firm will help you avoid these mistakes and fight for the maximum payout.
Call 800-522-6733 to schedule a free consultation with a car wreck lawyer in Marksville.