As a responsible Louisiana driver, you know that having auto insurance is required. You may be unaware, however, that you might also have to cover incidents that weren’t even your fault. Even if someone else is found to be liable for injuring you or causing your property damage, their lack of insurance or insufficient coverage terms could mean you end up having to pay out of pocket for the outcome.
According to some studies, almost a third of drivers in Louisiana have no insurance. Fortunately, you can tailor your policy to add protections like uninsured and underinsured motorist coverage. Such an add-on has the potential to help you offset the medical treatment costs, property repairs and lost wages you might face following an accident. Because you can use it without your rates rising, this coverage is a clear step up from having to cover costs using your personal savings.
Even if all involved parties have insurance, extra policy terms might be necessary in certain serious accidents. State minimums may fail to pay for costs like your collision damage and your ambulance ride. When you’re trying to get your life back on track, having to choose between necessities is more stress than you need. It’s important to fully understand what your existing policy entails and provides.
Our staff devote themselves to keeping you informed about your options for dealing with insurance providers and seeking restitution following accidents. We make it our mission to help victims tackle post-collision life and handle obligations like court filing procedures and insurance claims. If you’d like to learn more about your next steps, please visit our page on coverage for additional details.