If you suffered injuries in a Mandeville car accident caused by an uninsured motorist, you may have options for pursuing damages to cover your accident-related expenses. An uninsured car accident lawyer from Morris Bart, LLC will review your case for free today. We may be able to help you pursue an insurance claim based on your own uninsured motorist (UM) coverage or take other steps to seek a payout in your case.
Call (800) 537-8185 now to discuss your options with a car accident attorney serving Mandeville, St. Tammany Parish, and the greater New Orleans area. Our initial consultations are always free, and we handle these cases on a contingency basis. You should not have to pay the bills for an accident you had no hand in causing.
Options for Recovering Damages in an Uninsured Car Accident Case in Mandeville, LA
According to the Louisiana Department of Insurance, Louisiana law requires all drivers to carry a certain amount of liability insurance coverage if they own a vehicle. Liability auto insurance pays out to the victims of a car accident the policyholder caused.
In Louisiana, the minimum liability requirements are 15/30/25, which means the minimum liability policy will 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 the victims’ cars and other property
While carrying this type of coverage is a legal requirement, that does not prevent some drivers from failing to do so. When these uninsured drivers cause an accident, it can make it more complicated for the victims to recover the damages they deserve. There are generally three ways they can recover compensation to pay for their medical care and other expenses:
Filing a Claim Based on Their Own Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage, sometimes called a UM policy, is a type of insurance that protects a driver from having to cover the costs of an accident caused by an uninsured motorist out of their own pocket. The most straightforward way we can help a victim of a car accident caused by an uninsured driver is by filing a claim based on their own UM coverage.
This coverage generally matches the policy limits of their liability policy coverage. It pays out to cover the bodily injuries suffered by the policyholder or other occupants of their vehicle up to the policy limits.
If you have the required auto liability insurance coverage on your vehicle, you likely also have uninsured motorist coverage. Under Louisiana law RS 22:1295, policyholders must reject this policy in writing or have it included with their coverage.
Identifying Other Sources of Coverage
If an accident victim does not have UM coverage, there may be other options for seeking coverage of their medical bills and related care costs. This most common centers on filing a claim based on their medical insurance. Our team can help you identify other sources of coverage based on your unique circumstances.
Filing a Personal Injury Lawsuit Against the Uninsured Motorist
Occasionally, there may be reason to believe that an uninsured motorist can cover the expenses and losses the victims of the accident suffered despite their lack of insurance coverage. It may be worth our while to pursue a personal injury lawsuit against the at-fault driver if we can identify large assets in their name that might cover the damages our client endured. This option is not common, though.
The best way to learn more about your options for covering the costs of a Mandeville car accident caused by an uninsured driver is to discuss your case with a car accident lawyer from Morris Bart, LLC.
Call 1-800-537-8185 today to get started.
For a free legal consultation with a uninsured car accident lawyer serving Mandeville, call 800-537-8185
Common Damages in a Mandeville Car Accident
The damages a victim of a Mandeville car accident may suffer include a number of expenses and losses, such as:
- Current and future medical treatment and related care
- Current and future lost wages
- Diminished earning capacity
- Pain and suffering
- And possibly more if you qualify
If we need to file a UM claim in your case, you can recover many of these expenses and losses up to the limits of your policy. We can help you calculate a fair value for your damages, gather evidence to support your claim, and negotiate with your insurance company to hopefully secure a just settlement. We can also help you file a property damage claim if you carry collision coverage.
Mandeville Uninsured Car Accident Lawyer Near Me 800-537-8185
There Are Strict Time Limits on How Long You Can Wait to Take Action
If you need to file a lawsuit based on your car accident, Louisiana Civil Code Article 3492 gives you one year from the date of the accident to take legal action. However, we generally pursue damages through an insurance claim, which has different deadlines. If necessary, we will file a personal injury lawsuit in uninsured car accident cases.
While the insurance claim deadlines depend on the policy, they are often much shorter than the state’s statute of limitations. Many insurance companies require notification as soon as possible. For this reason, we recommend calling us about your case as soon as your injuries allow.
Talk to a Mandeville Uninsured Car Accident Lawyer
If you suffered injuries in a Mandeville car accident caused by an uninsured motorist, you may have options for pursuing compensation for your damages. Let a car accident lawyer from Morris Bart, LLC review your case for free today.
At Morris Bart, LLC, we have more than 15 fully staffed offices across the Gulf South, including our office in New Orleans. We may be able to handle your case if you sustain car accident injuries in Louisiana, Mississippi, Alabama, or Arkansas.
Call (800) 537-8185 today for a free case evaluation and consultation with a member of our team.