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"Mr. Young and his entire staff made me feel like I was their only client. If I needed anything, all I had to do was ask..." (Read more from Rosalie Chapman)
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Insurance Issues

Assessing Pre-Existing Conditions after Louisiana Crashes

Insurance Issues

How Pre-Existing Injuries Factor into Your Auto Insurance Claim Settlement

You May Have UM Insurance In Louisiana And Not Even Know It

Many car accident victims wonder “Do I have UM insurance?” and “How do I find out if I have UM insurance in Louisiana?” The answer is not that easy in the state of Louisiana. Sometimes your insurance company may not even advise you correctly.

Under Louisiana Law there is requirement that if you reject UM insurance, the rejection must be in writing. Louisiana Law states that each insured is actually assumed to have UM insurance provided on their automobile insurance policy and if UM is not provided, this can only be done through an express rejection by the insured in writing at the time that the policy is obtained.

In one particular case our office was successful in proving that an UM policy was in effect even though the insurance company claimed that the insured had rejected the UM coverage. In our particular case the insurance policy had been issued to a company and the individual who signed the UM rejection form did not have express or implied authority to reject the UM coverage. Under Louisiana Law the individual who signed the UM rejection form was not a proper party to do so and thus the rejection was invalid. This then required the insurance company to provide UM coverage under the insurance policy which paid significant money to our client. The insurance company ultimately tendered the entire policy limits which provided coverage for our client as well as another individual injured in the accident.

Remember, even if your own insurance company tells you you do not have UM coverage, it is critical that you demand to be provided a copy of the express written rejection form from your policy. If you have any questions regarding whether or not you have expressly, and in writing, rejected the UM coverage of your policy under Louisiana Law, please contact our office immediately.

When we helped Rosalie Chapman with her auto accident claim, she said "After many pointless conversations with the insurance company and many calls not returned we knew we needed an attorney....Mr. Young and his entire staff made me feel like I was their only client. If I needed anything, all I had to do was ask." Call us now and let us get started on your claim. Simply dial (866) 660-7220 for immediate help.