If you experienced an accident with an uninsured driver, you may qualify for compensation to cover the cost of your medical bills, vehicle repairs, and other costs you incurred because of the accident.
Louisiana law dictates that all drivers carry, at a minimum, liability coverage, according to the Louisiana Department of Insurance, but some people still drive without this coverage. Even when they do have coverage, many drivers only carry liability coverage, which is oftentimes insufficient for covering injuries and property damage.
If you suffered an accident with an uninsured driver, a car accident lawyer serving New Orleans East at Morris Bart, LLC can help you understand your options for seeking the compensation to which you may be entitled. For a free, no-risk review of your uninsured car accident case, call us at (504) 613-4771 today.
Uninsured Motorist Coverage
There are several types of uninsured motorist coverage, according to the Louisiana Department of Insurance:
Uninsured Motorist Bodily Injury Coverage
Uninsured and underinsured motorist coverage is designed to protect you if you are in an accident with a driver who has no insurance, or whose insurance is unable to cover the full extent of your medical bills and property damage.
Uninsured Motorist Economic-Only
Uninsured motorist economic-only coverage is another option some drivers carry. It is the same as uninsured motorist coverage, except that it only covers the actual cost of injuries incurred by you and passengers in the car. It does not provide compensation for the pain and suffering you may have endured as a result of the accident.
Uninsured Motorist Property Damage
Uninsured motorist property damage coverage covers the cost of repairs to your vehicle if you are in an accident with an uninsured or underinsured motorist. You are, however, limited to recover only $25,000 or the actual cash value of the car, whichever is less.
In the state of Louisiana, every car insurance policy automatically includes uninsured motorist coverage. While many people may believe that they do not carry this type of coverage, they do not realize that they must specifically reject this type of coverage on the Uninsured/Underinsured Motorist Bodily Injury Coverage Form.
You may even believe that you waived your uninsured motorist coverage, but if the rejection forms were not executed in accordance with Louisiana law, you may still be able to receive this type of insurance coverage. An uninsured car accident lawyer serving Orleans Parish can examine your case and help you determine whether this is an option for you.
If you or someone you love has been hurt in an accident with an uninsured motorist, you can consider these insurance options to recover compensation for your injuries, but those are not the only options. Call Morris Bart, LLC at (504) 613-4771 for help determining your legal options.
For a free legal consultation with a uninsured car accident lawyer serving New Orleans, call 800-537-8185
Other Options for Recovering Compensation
There are two other options for recovering compensation for your injuries and property damage after an accident with an uninsured motorist:
Your Auto Insurance Policy
Your insurance policy becomes the primary form of coverage when the at-fault driver is uninsured and you do not carry uninsured motorist coverage. Because every driver in Louisiana is required to carry liability coverage, you may be able to recover compensation from your own liability coverage policy for the cost of your medical expenses. If you carry additional collision insurance, you can use that to repair or replace your car, as your liability policy will not cover your own property damage.
Filing a Personal Injury Lawsuit
If filing an insurance claim is not an option, you may want to consider a personal injury lawsuit. The challenge in pursuing a lawsuit is that an uninsured motorist often does not have money to compensate you for damages after an accident.
A personal injury lawsuit, however, can be filed in the proper jurisdiction or even small claims court to try to recover damages. If the court awards you damages, compensation can be recovered through a number of different methods, including wage garnishments or seizures of assets.
New Orleans Uninsured Car Accident Lawyer Near Me 800-537-8185
Types of Recoverable Damages After Car Accidents
While every case is different, many drivers are still able to recover compensation for their injuries and property damage, even after an accident with an uninsured motorist. Some types of damages you may be able to fully or partially recover include:
- Medical expenses
- Lost wages
- Future wages if your earning potential has been diminished.
- Pain and suffering
- Property damage
- Emotional distress
- Other expenses reasonably incurred
How a New Orleans Uninsured Car Accident Lawyer May Help
If you were involved in an accident with an uninsured driver, you still have options to recover compensation to cover the cost of your injuries or property damage. The team at Morris Bart, LLC may help you by:
- Evaluating your current insurance policy and determining if you carry uninsured motorist coverage.
- Examining whether your Motorist Bodily Injury Coverage Form was executed in strict accordance with the law, or whether you may still recover compensation.
- Exploring all possible options for recovering damages related to the accident.
- Negotiating with the insurance company to protect your rights and help you recover full compensation for your injuries, property damage, and lost wages.
- Taking your case to court if we cannot recover damages through your own insurance policy.
- Answering your questions and offering legal advice.
Even if you paid your insurance premiums regularly, the insurance company may not compensate you fairly. A dedicated uninsured car accident lawyer serving New Orleans East may help by explaining your rights, building a strong claim, and protecting you against accepting an unfair offer.
The team at Morris Bart, LLC works on a contingency-fee-basis, which means we only collect payment if we successfully secure awards in your favor. To find out what your options are after a New Orleans uninsured motorist car accident, contact Morris Bart, LLC at (504) 613-4771.