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Will My Car Insurance Premiums Go up after a Collision That I Did Not Cause?

Many drivers are hesitant to file an uninsured motorist claim with their insurance company because they fear the increase in premiums. In the state of Louisiana, though, it is illegal for an insurance company to increase your premiums, charge an extra fee, refuse to renew your policy, or cancel your policy due to an accident that you did not cause. This law is outlined in Louisiana Revised Statute section 22:1284(A).

Unfortunately, just because you have uninsured motorist coverage does not mean that your insurer will step up to the plate and cover your losses. This is especially true if you incurred a substantial amount of damages, which is likely to be the case if your loved one died in an accident or if you suffered a permanent disability.

Insurance companies tend to take claims filed by attorneys more seriously, and an experienced personal injury lawyer can help you avoid costly mistakes that would harm your claim. If you would like to discuss your case with a car accident attorney in Alexandria, contact Laborde Earles Law Firm.

Our legal team has recovered more than $200 million for our clients. Call 800-522-6733 to schedule a free consultation.

How Can I Recover Compensation after a Collision with an Uninsured Driver?

Perhaps the most direct way to recover compensation after a collision with an uninsured motorist is to file a claim against your uninsured motorist (UM) policy. In the state of Louisiana, all auto insurance companies are required to offer UM coverage when selling a policy, but you do have the option to reject it in writing.

Depending on the type of policy you purchase, your UM coverage should help you cover medical bills, lost income, and property damage. It may also provide compensation for pain and suffering. These benefits should kick in if you are injured in a hit-and-run accident, if the driver who it you had no insurance, or if the driver’s insurance coverage is insufficient to cover your losses.

Personal Injury Protection Insurance

Personal Injury Protection (PIP) insurance is not required in the state of Louisiana, but it is available. PIP insurance will pay for a percentage of your medical bills and lost wages no matter who was at-fault for your collision.

Sue the At-Fault Driver

This should be a last resort because most drivers who are uninsured or underinsured do not have the finances or assets to pay for the damages they cause in accidents. Your attorney can evaluate your situation and advise you whether filing a lawsuit would be worth your time.

If you were injured by a negligent driver, turn to Laborde Earles Law Firm. Call 800-522-6733 to schedule a free initial consultation with a personal injury lawyer in Alexandria. You can learn more about car accident lawsuits in Louisiana by visiting the USAttorneys website.