Get the Benefits You Deserve After an Auto Accident
When you are involved in a car accident with a driver who has enough coverage to pay for any necessary medical treatment or property damage, that driver's insurance company should provide you with compensation. What happens, however, when you are involved in an accident with a motorist who does not have coverage or does not have enough coverage?
With the amount of uninsured and underinsured motorists on the road, this situation happens all too often after auto accidents. Fortunately, your own auto insurance policy may be able to cover your injuries and other expenses. At Murphy Law Firm LLC, our lawyers can help you understand your rights to compensation and help you determine what you may be entitled to recover after and accident with uninsured or underinsured motorists in Louisiana.
Generally, there are three situations when uninsured/underinsured motorist coverage becomes and issue:
- When the at-fault driver is uninsured
- When the accident victim is uninsured and not at fault
- When the at-fault driver is underinsured (does not have enough coverage to pay for the injuries)
An exception to the "no pay, no play" statute: Typically an accident victim that does not have insurance is prevented from recovery their first $10,000 in damages, even if they were not at fault. However, there is an exception to this "no pay, no play" statute for uninsured individuals that were injured through no fault of their own by hit-and-run drivers or drunk drivers. Before you talk with your insurance company, contact an attorney and understand your insurance policy.
It is easy to think that your own insurance company will be easier to deal with and will be more concerned with your best interests. After all, you have paid your premiums on a regular basis with the understanding that the company will stand beside you when you need them. Unfortunately, insurance companies are more interested in their bottom lines, rather than the needs of their policyholders.
Don't Be a Victim Twice!
Make sure you are not taken advantage of by the insurance company. Read our Injury Accident Guide and learn more about what to do after an accident that leaves you or someone you love injured. Learn more about the Do's and Don'ts after an accident from our Injury Accident Guide. Call Murphy Law Firm LLC at 225-928-8800 or toll free at 800-734-6545 to schedule a free initial consultation.
If your insurance company delays or refuses to settle your claim, asks for a recorded statement, or offers you a settlement for less than you deserve, talk with our attorneys about your rights. Our experienced trial attorneys will stand up for you and assert your rights to an uninsured or underinsured motorist claim.
Get Honest Answers About Uninsured Motorist Coverage
Insurance companies are in business to make money. In many cases, reducing or denying coverage to policyholders is a way for these companies to maximize profits. By asserting your rights, however, you can hold them accountable for their policy obligations. Contact us at Murphy Law Firm LLC, in Baton Rouge, to learn more at a free initial consultation. Call us at 225-928-8800 or toll free at 800-734-6545.
