How do you seek compensation when you suffer property damage and injuries due to an uninsured motorist’s negligence? Imagine totaling your car because another driver ran a red light, only to discover they have no insurance. You're left dealing with property damage, personal injuries, and mounting expenses. In this blog post, we’ll explain everything you need to know about handling an uninsured motorist bodily injury claim.
Understanding Uninsured Motorist Bodily Injury Claims
Since 1992, our firm, Pierce & Shows, has been dedicated to helping crash victims secure justice for their injuries. If you’ve been injured and feel overwhelmed by the insurance process, visit our website to schedule a meeting. You deserve fair compensation; we’re here to help you.
What Happens When an Uninsured Driver Hits You?
When an accident occurs, and the other driver lacks insurance, questions arise about who will bear the financial burden. Here’s a comprehensive overview of your options and who may be responsible for costs associated with the accident.
1. Your Insurance Company
If you have uninsured motorist (UM) coverage as part of your auto insurance policy, your insurance company may be required to compensate you for damages. This coverage safeguards when the at-fault party cannot fulfill their financial obligations. Importantly, filing a claim under your UM coverage in Louisiana will not affect your insurance rates.
2. The At-Fault Driver
While it may seem futile, you can still pursue legal action against the uninsured driver. However, even if you win a judgment, collecting compensation can be challenging if the driver lacks insurance or significant assets.
3. Your Health Insurance Provider
If you have health insurance, it may cover some of your medical expenses related to the accident. Keep in mind that you may still be responsible for deductibles and co-pays. Government programs like Medicare or Medicaid can also assist with accident-related medical costs, but they often seek reimbursement from the at-fault party.
4. Out-of-Pocket Expenses
Unfortunately, there may be instances where you must bear some financial burdens yourself, especially if you lack uninsured motorist coverage or adequate health insurance.
Finding Support After an Accident
Being involved in an accident caused by an uninsured motorist can be daunting. However, it's important to know that options are available to help you manage the financial fallout. Uninsured motorist bodily injury coverage, health insurance, and legal recourse can be safety nets during these challenging times.
Review Your Insurance Coverage
It's always wise to periodically review your insurance coverage to ensure adequate protection. While no one wants to think about being in an accident, being informed and prepared can ease the burden if the worst happens.
Why Choose Us?
Having previously worked for insurance companies, I understand their tactics and strategies. Now, I’m dedicated to advocating for injured parties instead. When you work with our firm, you won’t face out-of-pocket expenses. We operate on a contingency basis—if we don’t win your case, you don’t owe us anything.
If you’ve suffered an injury through no fault and feel overwhelmed by the insurance company, schedule a consultation with us today. You deserve to have someone in your corner fighting for your rights.
Contact a Baton Rouge Car Accident Lawyer Today
It’s in your best interest to consult an attorney before you discuss your claim with the other parties insurance company. Insurance adjusters work for the insurance provider. An adjuster’s goal is to protect the company by denying your claim or paying as little as possible to settle your claim. The adjuster is not working for you.
Remember, once you settle your claim, you cannot reopen the claim even if you discover additional damages or losses. Contact us today to schedule a free review consultation.