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Why You Should Have Uninsured Motorist Insurance

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.