Uninsured and Underinsured Motorist Claims
A careless driver can cause an enormous amount of harm in an accident. Unfortunately, many people drive with either no liability coverage or minimal coverage. In these cases, it’s important to contact a lawyer who can explore all possible sources of coverage to pay for your damages. One source of coverage may be your own uninsured or underinsured motorist coverage.
Baton Rouge Uninsured Motorist Claim Attorneys
At Dodson & Hooks, APLC, in Baton Rouge, Louisiana, our firm provides experienced representation for accident victims. We understand the devastation that an auto accident injury can cause and we will take steps to protect your rights to full compensation. Call 225-756-0222 or toll free at 800-644-0633 for a free initial consultation.
Louisiana and UM/UIM Coverage
While uninsured drivers are a significant problem, an even bigger issue for accident victims isunderinsured drivers. Many drivers carry liability insurance because it is the law. However, due to the difficult economy, many opt for the minimum amount they are required to carry.
In Louisiana, the minimum amount of liability coverage that drivers are required to carry is 15/30/25 ($15,000 for injury to one person in a single accident, $30,000 for all people injured in a single accident, and $25,000 for property damage in an accident). If you have suffered a serious injury, $15,000 will not go far in paying your medical bills and may provide no compensation at all for damages such as lost wages or pain and suffering.
UM/UIM coverage is insurance you buy to pay for damages caused by drivers who are either uninsured or underinsured. Your insurance carrier is required to offer you this coverage in Louisiana. Unless you declined coverage (and your insurance company can prove that you declined coverage by producing a signed form), you have UM/UIM coverage.
Even though you file an UM/UIM claim with your own insurance company, it’s important to seek an attorney’s help so you can obtain the maximum compensation for your losses.
Contact Our Underinsured Driver Lawyers
For experienced representation, contact our Baton Rouge uninsured motorist claim lawyers at 225-756-0222 or toll free at 800-644-0633 to schedule an initial consultation.