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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)

Louisiana Auto Insurance Laws Requirements

When you are injured in a vehicle collision, working with a lawyer who understands Louisiana auto insurance laws is very important when filing a claim for compensation. Many people do not realize that their own coverage can impact their claim, so you need a New Orleans auto accident lawyer on your side that can help you determine the limits of your policy during this process.

Louisiana Car Insurance Required by Law

To financially protect Louisiana residents in the event of an auto accident, car insurance is required by law before registering a vehicle or completing certain transactions for your driver’s license. Auto insurance laws in Louisiana require the following lowest coverage requirements:

$15,000 for bodily injury liability per person;
$30,000 for bodily injury liability per accident; and
$25,000 for property damage;

Drivers may also purchase uninsured or underinsured motorist coverage to help cover expenses in the event that the liable party does not carry insurance or their coverage is insufficient to compensate for medical expenses, lost wages, etc. Your New Orleans auto accident lawyer can look over your policy to determine if you had this type of coverage as well as the term limits.

Filing a Claim after an Accident

When you pay for your car insurance as required by law, you more than likely have the expectation that you will be covered in the event of an accident. Unfortunately, auto insurers are in the business of making money, which means you could lose out on the compensation you rightfully deserve after an accident.

The insurance claim process can be difficult to navigate; for this reason, you need a lawyer who has experience working with insurance companies. Your lawyer will carefully look at your injuries to determine the amount you need to pay for your past and future medical expenses as well as the compensation owed for lost wages.

Hiring a lawyer also allows you to focus on recovery rather than dealing with your auto insurance provider.

If your insurer is acting in bad faith of Louisiana auto insurance laws by denying your claim or offering a low settlement that is not in accordance with the terms of your policy, a lawyer can act as an advocate on your behalf. He or she can enter into negotiations with the insurance company or even begin litigation if the matter cannot be resolved.

Get Legal Help Now – Contact a New Orleans Auto Accident Lawyer

Don’t deal with Louisiana auto insurance laws alone; hire a lawyer to determine the limits of your policy when filing a claim. As the victim of an auto accident in New Orleans, 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.

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.