Imagine driving through Lafayette, Louisiana, enjoying a routine day when suddenly another vehicle collides with you. After the shock settles and you assess the damage, you discover that the other driver doesn’t have insurance. Unfortunately, although the law requires insurance, this scenario isn’t as uncommon as you might think.
Dealing with an uninsured motorist is a situation no one wants to face, but it happens more often than it should. Understanding your rights and options can make a big difference. A car accident lawyer at Kenny Habetz Injury Law can help you recover the money you deserve. Call our law office today at (337) 227-9374 to schedule a free consultation.
What Is Uninsured Motorist Coverage?
Uninsured motorist (UM) coverage is designed to protect you in situations where the at-fault driver doesn’t have insurance. It’s an added layer of security that steps in to cover your costs when the other party cannot. In Louisiana, insurance companies must offer uninsured motorist coverage as part of their auto insurance policies, though drivers have the option to decline it in writing.
If you opt for this coverage, it can be a lifesaver in situations when the other driver is uninsured. Essentially, it’s there to protect you whenever an uninsured driver is responsible for your injuries and damages.
Challenges in Uninsured Motorist Claims
Uninsured motorist claims come with their own set of challenges. One of the most significant issues is dealing with your own insurance company. While you might expect them to be on your side, the reality is that insurance companies are often more focused on their bottom line than on helping you. They may try to reduce the amount they pay out by disputing the extent of your injuries, stalling, or offering lowball settlements.
Another challenge is proving that the other driver was uninsured at the time of the accident. The best practice is to get a copy of the other driver’s license and plate number. Take photos and email them to yourself so you know where they are. That makes it difficult for the driver to vanish into thin air to avoid getting in trouble.
Nonetheless, sometimes, an uninsured motorist claim can require investigating the other driver’s insurance status, which might not be straightforward. A lawyer can help with these investigative steps, ensuring that your claim is supported by solid evidence.
The Importance of Acting Quickly
In Louisiana, there are strict time limits, known as statutes of limitations, for filing uninsured motorist claims. As of July 1, 2024, the statute of limitations for personal injury or wrongful death in Louisiana is two years from the date of the accident. If you fail to file your claim within this timeframe, you could lose your right to pursue compensation.
What Compensation Can You Recover?
With the help of a Lafayette uninsured motorist claims lawyer, you may be able to recover compensation for a range of damages. These include:
- Medical expenses: Compensation for hospital bills, surgeries, physical therapy, and other medical costs related to your injuries–past, present, and future.
- Lost wages: If your injuries prevent you from working, you may be entitled to compensation for lost income. If your ability to earn a living has been affected, that is compensable as well.
- Pain and suffering: In addition to financial losses, you may also be compensated for the physical pain and emotional distress caused by the accident.
- Property damage: Reimbursement for repairs or replacement of your vehicle and other damaged property.
Your lawyer will work to ensure that all these damages are included in your claim, helping you secure the compensation you need to move forward.
Why You Need a Lawyer for Uninsured Motorist Claims
Filing an uninsured motorist claim might seem straightforward, but it often isn’t. Insurance companies may attempt to minimize payouts or even deny your claim, leaving you to cover expenses that should be their responsibility. A seasoned lawyer understands the tactics insurance adjusters use and knows how to counter them effectively.
From gathering evidence and negotiating with insurance companies to representing you in court if necessary, a lawyer handles the complexities so you don’t have to. Their expertise can help you avoid common pitfalls and ensure that you’re not left with the financial burden of someone else’s negligence.
Hit by an Uninsured Driver? Kenny Habetz Injury Law Has Your Back
Facing the aftermath of an accident with an uninsured driver can be overwhelming, but you don’t have to go it alone. At Kenny Habetz Injury Law, we know the ropes and will fight for you. We work on contingency, so we only get paid if you get paid.
At the very least, it’s worth your while to schedule a free consultation after an accident to answer all your questions. This way, you can explore your legal options and determine your best course of action.
