Many drivers share insurance details following a car accident to assist with the processing of injury claims and property damage claims. There can be a situation where an individual can have a car accident with an uninsured driver. If this happens, you could still get compensation and recover damages.
If you had an accident with an uninsured motorist (UM) in Monroe, Louisiana, hiring a car accident attorney at The Law Office of Eddie Clark & Associates will help you obtain claims from a driver who did not have insurance.
In Louisiana, 13% of drivers do not have insurance, according to the Insurance Research Council. The Louisiana Insurance Department said its figures show that 15% of drivers do not have insurance. It shows there are several UM on the roads of Louisiana. Although the law allows drivers to have valid liability coverage, the fact is that a lot of Louisiana motorists remain uninsured. Most drivers are uninsured and violate the law regularly for not having the minimum liability insurance which is required.
In general, Louisiana motorists are expected to have liability insurance on their vehicles. The principal object of liability insurance is to reimburse claims on behalf of the insured party in the case that anyone is injured by the vehicle’s negligent activity. If the driver who hit you did not have any car insurance, your case is strong if you have “uninsured motorist” coverage in your auto insurance policy. UM coverage must be purchased by all motorists in Louisiana unless they expressly reject this in writing.
Louisiana law requires the insurance provider to release UM coverage on all drivers for bodily injury liability limits under La. R.S. (D) 22:1406 . Each vehicle must carry at least $15,000 in liability coverage per person injured or killed, and at least $30,000 per accident if two or more people are injured or killed. With no proper insurance, many drivers ignore this law and take the roads.
The uninsured motorist clause also provides safety in a hit-and-run situation where one driver is leaving the scene of the accident. Uninsured motorist insurance in these situations will come in, compensating for the medical costs, loss of income, and other losses sustained in the accident.
Louisiana UM coverage provides compensation for past and future accident-related medical and hospital bills, pain and suffering, and earnings lost. UM will pay for crash-related medical expenses and lost wages for those who purchase “economic only” coverage, but does not cover “general damages” such as pain and suffering.
Without a good attorney on your side, insurance companies may seek to refute or undercut the value of your claim.
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