If another driver hits you in Louisiana, normally, that person’s auto insurance should cover your expenses. However, sometimes car accidents involve uninsured or underinsured drivers.
Fortunately, you have options for filing insurance claims and taking legal action to get the support you need after an uninsured driver causes an accident.
After the traffic accident
Often, it is advisable to call law enforcement after a car accident. This is especially true when an uninsured driver hits you because the police report can serve as evidence when you try to recover damages. You should also take time to exchange information, take photos and document what happened. In addition, do not delay seeking medical care, even if you feel well. Finally, avoid accepting money at the scene of the accident from an uninsured driver, as you do not know what the full expense of the crash will be.
Insurance claims and lawsuits
Unfortunately, around 11.7% of drivers in Louisiana lack insurance. Thus, it is a good idea for your auto insurance plan to include uninsured motorist coverage. If you have coverage, you can file a claim with your own insurer after your accident, even if the other driver has no insurance. On the other hand, if you do not have uninsured motorist coverage, it can be difficult to recover damages without taking legal action.
It is possible to pursue a personal injury lawsuit after a car accident with an uninsured driver. If you do not have uninsured motorist coverage, the damages awarded in an injury suit could help pay medical bills, recover lost wages and compensate for pain and suffering.
In Louisiana, there are steps you can take to obtain coverage or seek compensation if an uninsured or underinsured driver hits you.