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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)

New Orleans Underinsured and Uninsured Motorist Coverage

You might think that because the law requires all drivers to carry insurance that therefore, most do. However, there are thousands of motorists driving without insurance on Louisiana roads every day.

Because of this it is usually recommended that you opt for underinsured or uninsured motorist coverage insurance. A New Orleans lawyer might be able to help you file an insurance claim if you are in an accident that involves an uninsured motorist.

The Difference between an Underinsured Driver and an Uninsured Driver

An underinsured motorist is someone who meets the minimum legal insurance requirements. Usually, these are not enough to pay for the damages caused in an accident. A driver who does not have any insurance is an uninsured motorist. A New Orleans lawyer can help you if you were injured or sustained property damage or injuries from one of these types of drivers.

Having Uninsured Motorist Coverage through Your Insurance Policy

When choosing a car insurance policy you will usually find an option for underinsured and uninsured coverage that will help pay for the damages of an accident caused by a driver who is underinsured or uninsured.

Although all states require insurance to operate a vehicle, most do not require this type of coverage. It is recommended to add this type of coverage to your policy to protect from negligent drivers who are illegally driving underinsured or uninsured. If you choose not to purchase this coverage, you could be stuck paying for hospital bills and auto repairs yourself after a car accident.

Accidents that Involve Motorists that are Underinsured or Uninsured

If you are facing the consequences of an accident that involves a driver with no or little insurance, you should call the police right away to come to the accident scene and file a report which states that the other driver did not have insurance or was underinsured.

Keep all police records and any medical records if you received treatment for injuries related to the crash. Then you should contact a New Orleans lawyer to help you file a claim against the negligent driver to recover payment for any property damage that occurred and any medical bills that resulted from an injury during the crash.

Do not let a motorist ruin you financially because they were driving illegally. Contact a New Orleans lawyer for legal advice in pursuing a claim after a car accident has left you the burden of physical, emotional, and financial costs.

Get Legal Help Now – Contact a New Orleans Lawyer

As the victim of an 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.