If you have your driver’s license in Louisiana and drive on our public
roads, then you’re likely well-aware that every driver is required
to carry a minimum amount of insurance. However, that does not mean every
driver follows this law, and that’s not a good thing in the event
they are involved in an accident. If you’re hit by a driver without
any supplementary financial responsibility, you could find yourself unable
to obtain compensation and as a result sustain serious losses.
Fortunately, you can prevent yourself from falling victim to one of these
drivers by purchasing uninsured motorist insurance. We strongly advise
every driver carry this in addition to their normal insurance; the extra
cost is nominal, and the benefits can be life-saving in the event you
are hit by an uninsured or under-insured driver.
How Uninsured Motorist Coverage Works
Louisiana law requires minimum insurance levels of 15/30/25, or $15,000
per injured person per accident, $30,000 total for all injured parties
per accident, and $25,000 in property damage. While this may seem like
a lot of money, it actually runs out extremely fast. Even minor injuries
such as whiplash or a small cut can cost thousands of dollars to treat.
More serious injuries max out this $15,000 limit quickly, meaning you’d
be stuck with the costs of whatever’s left and sustain a huge financial loss.
Let’s look at an example. Let’s say you and a friend are driving
and are both moderately injured in a T-bone collision when another driver
runs a red light. Both of you sustain $25,000 in medical bills. However,
the driver who hit you doesn’t have car insurance. Your own insurance
company can try to sue them on your behalf, but odds are you still won’t
be able to recover the amount you need to pay for your injuries, and both
you and your friend will be left with $10,000 in medical bills to pay.
This is where uninsured motorist insurance would kick in and fill in the
remaining $10,000 gap for both you and your friend to make sure you are
both adequately taken care of.
Uninsured motorist coverage can also help you bridge the gap in the event
of a hit-and-run accident. Say the driver who T-boned you and your friend
is still able to drive their car away and is never caught (something that
happens far too often). Normally this would leave you to rely on your
own insurance to foot the bill, which would once again subject you to
your limits. However, uninsured motorist coverage would make sure you
receive compensation for all your losses.
If you are facing an uninsured motorist case after a serious accident,
the Louisiana brain injury attorneys at
Anderson & Boutwell can represent you. We have handled thousands of cases through our numerous
years of practice experience, and we never settle until we help you obtain
the justice and compensation you deserve. We hold those responsible for
your well-being accountable, whether they’re an uninsured motorist
an insurance company, or any other party involved with your accident.
If you’ve suffered a traumatic brain or spine injury, your team
of attorneys are the place you can turn to and have confidence your best
interests are in capable hands.
Get help with your car accident case from Anderson & Boutwell today!
Call us at (985) 796-2245 to speak with an attorney, starting with a
free case evaluation.