New Orleans Uninsured Motorist
Under Louisiana law, all drivers must purchase liability insurance for injuries to others. Despite the law, thousands of drivers do not have any insurance and the vast majority carry only the minimum coverage. What happens if such a driver crashes into you? Are you saddled with the medical bills and other losses?
If you have uninsured/underinsured motorist coverage on your auto policy, your own insurance company pays. However, insurance companies commonly try to deny, delay or downplay such claims. Stephen Rue & Associates Law Firm is here to help you fight your insurer for your rightful compensation.
Are You Protected If The Other Driver Has Minimal Coverage?
UM/UIM insurance is not required in Louisiana, but we highly recommend you go out and get it if you do not have this invaluable protection. If you carry the minimum coverage, we also recommend that you increase it. For just a few dollars more, you and your family would be covered for a catastrophic accident. We are happy to review clients’ insurance policies and advise on appropriate accident coverage.
Important Facts About Uninsured Drivers in Louisiana
A recent study shows that 16.1 % of drivers in America are uninsured. Approximately 14% of car wrecks are caused by uninsured drivers. In Louisiana, we believe that those percentages of uninsured drivers in larger, thus it is very important that you obtain uninsured- underinsured insurance coverage to protect you against these uninsured drivers. If you get into a wreck with an uninsured driver, immediately contact Stephen Rue & Associates Law Firm.
Metairie Attorneys For Underinsured Motorist Accidents
The minimum liability coverage in Louisiana is a 15/30 policy ($15,000 per person, up to a maximum of $30,000 per accident). This may sound like a lot of money, but it doesn’t go very far if you have substantial hospital bills, if you will need surgery, if you are disabled from work for many months or if several victims must share the money.
This is where your uninsured motorist/underinsured motorist (UM/UIM) kicks in:
- If the other driver has no auto insurance, your UM/UIM covers you.
- If your damages exceed the other driver’s coverage, your UM/UIM covers you.
- If you were the victim of a hit and run accident, your UM/UIM covers you.
Louisiana Attorneys at Stephen Rue & Associates have handled thousands of auto accident cases, regularly taking on the biggest insurance companies in coverage disputes, including uninsured and underinsured motorist claims. We are confident we can make insurers live up to their obligations under your UM or UIM policy.
The other driver is not the main concern. It’s your own insurance company that you have to worry about. Let the dedicated team at Stephen Rue & Associates Law Firm take on the burdens if you were injured in a car wreck.