According to Louisiana law, every car owner is required to have liability coverage that is meant to cover medical expenses and other damages for anyone involved in a car accident. However, there are some drivers who carry no insurance at all, or a minimum amount which cannot cover most costs. Fortunately, state uninsured motorist coverage can protect you from people who drive without insurance coverage.
How Does Uninsured Motorist Coverage Work?
While you do not have to accept this type of protection on your policy, it can be extremely useful in the event of a collision with an uninsured or underinsured driver. In such cases, this coverage will pay for any medical bills due to personal injury, as well as covers the occupants of your car.
Scenarios in which uninsured motorist coverage can kick in:
- You are injured in a hit and run accident, and the driver is nowhere to be found. Uninsured motorist coverage can cover your medical bills and repairs.
- Passengers of an insured vehicle are also covered in the event of an accident.
- The driver who caused the accident does not have insurance coverage, or does not have enough coverage to compensate your losses.
- If you are injured in a bicycle accident and the driver is uninsured or underinsured, you may be able to file a UM claim.
You must also understand that uninsured motorist coverage is optional. However, if you decide to reject coverage, you need to sign an additional form. Otherwise, this coverage will automatically be included in your policy.
What if I Suffered Serious Injuries?
If you were seriously injured due to the negligent actions of an uninsured motorist, your car insurance or that of the party may not provide enough compensation to help cover your expenses. If this is the case, The Law Office of Robert B. Dunlap is ready to file a personal injury claim to obtain the compensation you deserve. With more than 30 years of experience, Attorney Dunlap knows what it takes to protect your rights and help you make the best recovery possible from injury.
Contact us and request a free consultation today.