A: If the other driver is uninsured in a car accident that you are involved in, you should check with your auto insurance policy to determine what coverage you have for uninsured or underinsured drivers. Purchasing this coverage ahead of time can save you a considerable amount in the event of an accident. You might still recover compensation from them by filing a personal injury claim if you do not receive enough from their insurance company.
St. Francisville Car Accident Lawyer
St. Francisville Car Accident Attorney
If you have recently been in a serious car accident, then you know how traumatic and overwhelming it can be. It can upend your life instantly, especially when you have to endure mental, physical, and financial consequences. A skilled St. Francisville car accident lawyer can arm you with the knowledge you need to secure the right compensation for your accident. Gain some peace and reassurance so you can focus on your recovery.
St. Francisville Car Accident Lawyers Team with Proven Legal Success Rate
Murphy Law Firm has a proven record and stellar reputation after almost 30 years of providing legal assistance to clients from all across Louisiana. We take the time to get to know our clients so we can effectively represent them. The trust we build helps us meet them where they are and strategize a compelling case. We understand our community’s needs and are committed to seeking justice for our clients.
Working With Car Insurance Companies
Dealing with insurance companies after a car accident can be frustrating. It’s in an insurance company’s interest to make the settlement amount as low as possible to protect its interests. Once you know that most initial offers are typically lower than what you could get, you can then know to seek a higher amount in the future. It’s important to document any communication you have with an insurance company to make your position stronger.
To have a good chance of success, you have to be strategic when working with an insurance company. This usually requires having sound evidence that proves the extent of the damages you experienced. Keep records of any medical expenses you incurred from your injuries as well as any estimates on vehicle repairs. Attorneys are familiar with the ways that insurance companies attempt to withhold compensation, so they know how to address this head-on.
It is generally a bad idea to accept the first offer an insurance company gives you, especially without reviewing the offer with an attorney first. Do not sign any documents you get from an insurance company without reading them because they might prevent you from filing a future claim. In some cases, an insurance company can use unethical tactics or intentionally stall to prevent action. If this happens, it is very useful to have an attorney involved.
Uninsured Motorist Coverage
Car accidents are bad enough, but they can be made even worse if an involved driver does not have sufficient insurance coverage to compensate the victim for their injuries. In St. Francisville, there might be legal protections that can enable you to recover damages when the other party does not have enough vehicle insurance. Most insurance policies have what’s called UM or UIM coverage, which is meant to address these kinds of situations.
If you find that the other driver does not have insurance, then file with your own insurance company. Provide as much evidence and documentation as you can to prove your accusations. Common types of car accident injuries include whiplash, broken bones, and head trauma, which can lead to extensive medical bills. After you file a claim, an adjuster from your insurance company can contact the driver to be reimbursed. If there is not enough coverage on your policy, it might be necessary to explore other options to find compensation, like filing a personal injury claim.
Some situations might benefit from a personal injury claim. However, if the individual does not have car insurance, it is unlikely that they have enough assets to pay a victim after a settlement. These situations can be complicated, which is why it can be advantageous to work with an experienced Louisiana attorney in this context. They can review your situation and tell you what solutions might work for your case. That way, you do not waste time or money pursuing an option that does not result in compensation.
FAQs
Q: How Are Medical Expenses Covered After a Car Accident?
A: Coverage for medical expenses after a car accident might be limited, depending on your insurance policy. However, there are many other ways to cover these costs, beyond using your personal health insurance coverage. Many individuals have personal injury protection as part of their insurance policy to address these medical issues, and the other driver’s insurance might also cover certain medical expenses after the accident, depending on their policy.
Q: How Long After a Car Accident Can You File a Claim in Louisiana?
A: The length of time you can file a claim after a car accident in Louisiana is normally one year after the accident occurred, but this timeframe can vary. The details of the case could impact the length of time you have to file a claim, otherwise known as the statute of limitations. It could also be longer or shorter if your accident involved a government entity or a minor. Consult an attorney to understand what deadlines apply to your car accident case.
Q: What Do I Do After a Car Accident in Louisiana?
A: After a car accident in Louisiana, call emergency services if there are serious injuries. Move any vehicles involved away from the flow of traffic to prevent additional accidents and casualties. Record the other driver’s contact and insurance information for communication after the accident. Stay on the scene, if possible, until a police report is generated. In the meantime, it can be a good idea to gather evidence, like photos and videos of the accident scene.
Find an Experienced Car Accident Lawyers Team in St. Francisville
Find support for your accident by working with an attorney. If you have been negatively affected by a car accident, schedule a consultation with Murphy Law Firm. We can review your case to work through complicated legal issues. Our experienced team can fight for your rightful compensation.
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