If the driver who caused your Gretna, Louisiana, car accident was uninsured, you may worry there is no way to pursue damages for your medical care, lost wages, out-of-pocket expenses, and other losses. In most cases, this is not true. An uninsured car accident lawyer serving Gretna and the greater Jefferson Parish area can review your case for free and help you understand your options. Talk to a car accident attorney from Morris Bart, LLC about your case today by calling (504) 613-4771. We can evaluate your options and might be able to help you file your insurance claim or pursue a lawsuit in your case. We handle these cases on a contingency basis. You will not pay us any fees unless we recover damages on your behalf.
Louisiana Law Requires All Drivers to Carry an Auto Liability Policy
According to the Louisiana Department of Insurance’s guide to auto insurance, all Louisiana drivers who own a vehicle in the state must meet certain minimum liability requirements. These minimum requirements call for an auto insurance policy, sometimes referred to as a 15/30/25 coverage, that will pay out up to specific limits if the driver causes an accident. This policy provides coverage for victims of the accident, no matter if they were in other involved vehicles or passengers in the driver’s vehicle. The minimum car insurance requirements drivers must meet under Louisiana state law include:
- $15,000 for bodily injury to one victim
- $30,000 for bodily injury to all victims in a single accident
- $25,000 for property damages to vehicles and other property
Of course, not every driver abides by this law, which creates an issue for the victims of the accidents who cannot file an insurance claim based on this policy. It also makes pursuing compensation more difficult when they need to cover their medical care, lost wages, pain and suffering, and other damages. Fortunately, many motorists carry uninsured/underinsured motorist (UM) coverage. Under Louisiana statute RS 22:1295, drivers who buy an auto liability policy automatically get enrolled in a UM policy unless they reject it in writing. This policy generally includes the same limits as their liability policy.
For a free legal consultation with a Uninsured Car Accident lawyer serving Gretna, call 800-537-8185
Your Uninsured Motorist Policy Is Often Your Best Option
As its name suggests, uninsured/underinsured motorist coverage pays out in the event that the driver who caused the accident does not have the required liability insurance. After an accident caused by an uninsured motorist, this policy should compensate the policyholder to cover their proven losses up to the limits of the policy. This course is often the easiest and most straightforward way to seek a payout following this type of accident. If a car accident attorney from Morris Bart, LLC reviews your case and discovers you have a UM policy to cover your losses, we can help you take the next steps in recovering damages. We will secure evidence to support your claim and handle all communication with your insurance company. We may also be able to identify alternative ways to get your bills and losses covered if there is not a UM policy. Call (504) 613-4771 today to learn more.
Damages Available in a Gretna Uninsured Motorist Case
When we file a UM claim based on your uninsured motorist policy, we can generally recover certain documented damages up to the limits of your policy. These include:
- Current and future medical care
- Current and future lost wages
- Pain and suffering
- And possibly more
When injuries are significant, though, we may need to take additional steps to seek compensation. The limits of this type of policy are relatively low for a serious accident. Other alternative methods for covering these damages are more difficult, but there are still options. These options could include filing a personal injury lawsuit against the uninsured driver if they have assets, identifying other at-fault parties, or filing a claim with your medical insurance.
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Statute of Limitations and Other Deadlines in Your Gretna Car Accident Case
Louisiana Civil Code Article 3492 sets the statute of limitations in a Gretna personal injury case at one year from the date of the accident. This limitation means car accident victims generally have until the first anniversary of their accident to file a lawsuit against any liable parties. Failure to meet this deadline could result in losing the right to take legal action in the case. However, this one-year deadline is not the only deadline we worry about in an uninsured motorist case. If an uninsured motorist caused your Gretna accident, we encourage you to reach out for our help quickly. Your insurance policy likely has its own deadlines for how long you can wait to report the accident and file a claim based on your UM policy, if you have one. We need to know about your case and prepare your claim before these deadlines arrive.
Talk to a Gretna, LA, Uninsured Car Accident Lawyer
If an uninsured motorist caused your Gretna, LA, car accident, an uninsured car accident lawyer from Morris Bart, LLC can review your case for free. Let us discuss your case with you and help you understand your options for pursuing compensation if you cannot file a liability insurance claim against the at-fault driver in your accident. We may be able to help if the negligent driver does not have insurance or if they leave the scene of the accident. We operate more than 15 fully staffed offices in Louisiana, Mississippi, Alabama, and Arkansas. We serve car accident victims in Gretna, greater Jefferson Parish, and across the Gulf South. Call (504) 613-4771 today for your complimentary case evaluation and consultation. Our team can explain your legal options in a way that you can understand and navigate the claims process on your behalf.
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