Did you know that many of the drivers around you are driving without any car insurance? Additionally, most drivers in Louisiana only have the state minimum of coverage required, and $15,000 doesn’t go very far these days. If they cause an accident and you don’t have uninsured motorist coverage, you may not have any way to recover for your injuries and damages.
In Louisiana, uninsured motorist insurance covers you for injuries or property damage caused by another driver who doesn’t have car insurance or who doesn’t have enough insurance for your damages. With uninsured motorist coverage, you can collect benefits from your own insurance company for medical bills, pain and suffering, and property damage incurred as the result of an accident caused by another driver. Sometimes uninsured motorist coverage can also apply to hit-and-run accidents. Along the same lines, underinsured motorist insurance provides coverage when the driver at fault has some coverage but not enough to compensate you for your damages. If you have underinsured motorist insurance, you can collect from the rest of your damages from your own insurance company up to your policy’s uninsured/underinsured motorist liability limits.
The good news is if you must use your uninsured motorist coverage Louisiana law specifically prevents insurance companies from raising your rates or cancelling your policy if a claim is made on your policy because you were in an accident with another driver who doesn’t have insurance.
If you are the victim of a uninsured or under insured driver, you may still have coverage available to you. Let the attorneys at Bennett Hodgins Law review your case and make sure you get the compensation you deserve. Maneuvering through the insurance system by yourself can be complicated, time-consuming, and not to mention frustrating. Give us a call today!