Louisiana Fender Bender to Major Collision: Protecting Your UM Claim

No matter the severity of your accident, insurance adjusters will try to reduce the auto claim settlement they have to payout regardless of whether it's a fender bender or a serious head-on car crash. When everyone is secure at the car accident scene, you should consult with an attorney, especially if the other driver was uninsured.

If you were in an accident with someone who is uninsured or underinsured, but you have uninsured motorist coverage (UM), then your insurance company may be responsible for paying for the damages from your accident.

Insurance companies aren't really your advocates when it comes to auto claim settlements. Adjusters try to minimize payout amounts to increase profit for the company.

If you have UM coverage, the adjusters have a real incentive to lower the amounts they pay out. 

Insurance adjusters will ask you to give a recorded statement where they'll question you about:  

• the seriousness of your injuries;
• the details of the car accident scene; and
• whether or not you contributed to the crash.  

Remember that anything you say can be used by the insurance companies to place fault on you and reduce the amount of your settlement.

In order to protect your UM claim, you should discuss your case with a Louisiana car accident attorney. For any kind of collision, from fender benders to motorcycle accidents, a lawyer can help prevent you from making costly mistakes with insurance adjusters. 

Get Legal Help Now - Contact a Louisiana Car Accident Lawyer 

As the victim of a car accident in Louisiana, we know that you have a lot of questions about your health and your financial future. Personal injury attorneys Timothy J. Young, Robert J. Young Jr. and Jason C. MacFetters understand your concerns and anxieties. Before you hire an attorney, order this free injury guide to learn about your rights in Louisiana. The Young Firm is located in New Orleans and serves clients throughout Louisiana, including Baton Rouge, Shreveport and beyond. Contact us today at 504-680-4100 or 1-866-660-7220.