Underinsured or Uninsured Driver Accident?

Lafayette Car Accident Attorneys Find Solutions

Uninsured driversIt is illegal in the state of Louisiana to operate a motor vehicle without carrying liability insurance. Unfortunately, this does not stop some people from driving without insurance. If you have been injured in an accident with an uninsured driver, our car accident attorneys can help you. Since 1996, we have provided quality representation for injury victims just like you.

If you were a victim of a car wreck, the person who caused the accident is responsible to pay your damages. If the other driver is insured, the insurance company should pay for the damages to the extent of the policy. In the event that the person at fault does not have insurance, or the policy does not cover the full extent of damages, you have a few options.

You can sue the uninsured person who caused your accident. Once you have a legal judgment, you can collect the judgment by wage garnishment, asset seizure and other measures. However, many uninsured drivers are unemployed and/or have little to no assets. This is why we recommend purchasing uninsured/underinsured motorist (UM/UIM) insurance coverage to protect yourself and your family from the unexpected.

Does Full Coverage Include Uninsured/Underinsured Drivers?

Many people think they have full coverage on their automotive insurance policy, but do not know exactly what is included in full coverage. Often, these people only have the minimum liability coverage that the state of Louisiana requires.

The minimum amount of insurance will usually not be enough to cover medical bills, lost wages, and the pain and suffering that is the result of many car crashes. This is especially true in the case of a fatal car accident and wrongful death.

How Do I Get Uninsured/Underinsured Motorist Insurance?

Under Louisiana law, uninsured motorist coverage comes bundled with standard automobile insurance up to the liability limit unless opted out of in writing. This is true even for policies that do not specifically include uninsured motorist coverage in the language. This law is to ensure protection and recovery for insured drivers in the case of an accident with an uninsured driver.

It is possible to opt out of the automatic coverage, so be sure to read your insurance policy carefully to find out if you are covered. Opting out of the included insurance means that in the event of an accident with an uninsured driver, all of the costs will come out of your pocket.