Louisiana Uninsured Motorist Attorneys
Speak to an uninsured motorist attorney now: 1-800-537-8185
Uninsured or under-insured motorist insurance coverage is an extremely important asset to your policy. If you’re asking yourself, “do I need uninsured motorist coverage?”, the answer is undoubtedly yes. It’s so important to have uninsured motorist coverage because many Louisiana residents drive without any insurance at all. That means if they hit you, you’ll be paying for it out of your own pocket.
Your insurance company is required by law to include uninsured motorist coverage as part of every automobile policy written, unless you specifically decline it in writing. Coverage is usually designated on the face page of your automobile insurance policy by the letter or letters “U” or “UM.”
When you purchase uninsured motorist coverage as part of a policy, it affords coverage for you and all family members who reside in your household.
If you have any questions about what should be included in your policy, consult our auto insurance guide.
Who can make a claim against an uninsured motorist auto insurance policy?
You do not have to be an automobile driver or passenger in order to be eligible for benefits. Your automobile uninsured motorist policy applies even if you were a pedestrian, bicyclist, motorcyclist, or bystander, so long as the motorist who caused your injuries was uninsured or underinsured.
Your uninsured motorist coverage also applies for the benefit of other passengers in your car or other people driving your car with your permission, and who are injured by an uninsured or underinsured driver.
When can I make a claim against an uninsured motorist auto insurance policy?
Uninsured motorist vehicle coverage comes into play whenever anyone who is insured is injured by a driver who is uninsured or underinsured (does not have enough insurance to pay for the damages caused). As regards to a claim for injuries, an uninsured driver includes a hit-and-run driver, so long as there is some actual contact from the hit-and-run driver’s vehicle. (Note: However, an unidentified hit-and -run driver is not considered an “uninsured motorist” for the purpose of damage to your car.”)
Unfortunately, some drivers are not covered appropriately by their insurance.
In the event of an accident, you may find that either you, or the other vehicles involved in the accident, are uninsured or under-insured. Should this unthinkable situation arise, the attorneys at Morris Bart, Attorneys at Law know how insurance claims and uninsured motorist coverage works.
If you have been in an accident, and are unsure where to begin, contact our experienced legal team. We will advise you on where to begin your claim, and how to secure compensation. It is very important that you contact an attorney immediately following an accident, before discussing your claim with the insurance company, and absolutely before accepting any kind of settlement.
Insurance representatives concentrate on protecting their company’s bottom line, and therefore seek to limit your liability, even though they may seem friendly or helpful. We make it our priority to protect your rights and help you receive compensation for all of your pain and suffering, medical expenses, long-term care, lost wages, and any additional personal losses you have suffered.