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Automobile Accidents

Choosing Car Insurance Coverage before a Louisiana Car Accident Happens

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Automobile Accidents

Attorney Explains Types of Car Insurance Louisiana Drivers Should Know About (Part A)

How UM Coverage Protects Your Auto Accident Insurance Claims in Louisiana

If you have been in an accident and don’t know how to handle the auto accident insurance claims process, contact a New Orleans personal injury lawyer for a consultation about your car accident and information that will help you understand the different steps involved in a complex case like yours.

Uninsured motorist (UM) coverage is an important component of your claim. Car insurance doesn’t always cover all of the damage sustained in an accident, so UM coverage provides an additional safeguard.

A Definition of Uninsured and Underinsured Motorist Coverage

UM coverage is purchased with your regular car insurance policy and is issued through your insurance carrier. This type of additional insurance provides coverage in the event that the at-fault party has insufficient coverage for the damages you sustain in an accident.

If you are injured or sustain damage in a hit-and-run, UM insurance will provide coverage for your costs up to the limits of your policy.

Essentially, UM coverage is extra insurance that you can use in the event of a car accident. You can file a claim against your UM coverage like you would against your regular policy, and the additional UM coverage is often equal to the amount of coverage in your auto policy.

Uninsured and Underinsured Motorist Coverage is Mandatory in Louisiana

In Louisiana, UM coverage is mandatory, so you more than likely already have UM coverage in conjunction with your standard auto insurance policy. This is a protective provision because it ensures that a motorist who is hit by an underinsured or uninsured driver is not left holding the bill.

In some cases, you may abstain from the UM coverage statute by providing written notice that you are rejecting the coverage. Your auto insurance carrier will provide you with this form and you must sign a copy for them before you will be released from UM coverage. This provision exists so that an auto insurance carrier can prove that you were offered UM coverage and explicitly rejected it.

If you’ve been injured in an auto accident that was caused by someone else’s negligence, contact a New Orleans personal injury lawyer who can help you through the auto accident insurance claims process with minimal stress and frustration.

A New Orleans personal injury lawyer may be able to get for you monies to cover:

damages for your medical expenses incurred as a result of the accident;
lost wages from the time you are forced to take off from work while you recover;
property damage such as car repairs; and
compensation for your pain and suffering.

Get Legal Help Now – Contact a New Orleans Personal Injury Lawyer

When you’ve been in an accident, we know that you have a lot of questions about your health and your financial future. Auto accident insurance claims attorneys Timothy J. Young, Robert J. Young Jr. and Jason C. MacFetters understand your concerns and anxieties about your claim. Car insurance cases can be complex and frustrating. Before you hire an attorney, order this injury and car accident information 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.

Still have lots of questions? Auto accident cases can be more complicated than you think. Don't make a small mistake that can cost you lots of money on your claim. Call our Louisiana auto accident attorneys immediately to get fast answers. Simply dial (866) 660-7220 now.