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.
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.
