Car Accidents, How to Be a Good Plaintiff
How to Protect Yourself from Uninsured Drivers
NEW ORLEANS, LA — Being involved in a car accident is traumatic enough; but what happens when the at-fault driver lacks insurance to cover the costs of the damage he caused? The motorist who is the victim of a collision with an uninsured driver might find himself unable to pay necessary medical expenses, or lacking money to pay his bills should his injuries cause him to miss time from work. Recent studies indicate that uninsured drivers cost motorists and insurance companies a whopping $2.6 billion dollars in the year 2016 alone.
It’s important that motorists understand the risks of being involved in a collision with an uninsured motorist – and understand what they can do to protect themselves.
While carrying automobile insurance is the law in every state, except for New Hampshire, approximately 13% of Louisiana drivers operate uninsured on our roads, roughly on par with the national average. This means that more than one of every ten vehicles we pass on our daily commutes are uninsured for any damages they might cause in a collision. Car accidents cost an approximate $260 billion per year, from small fender benders and soft tissue injuries, to major collisions with life-altering consequences for the victim and his family. It’s important that motorists protect themselves and their families from this threat.
One way to minimize the consequences of being struck by an uninsured motorist is to purchase uninsured/underinsured motorist coverage. In many states, especially those with a higher-than-average percentage of uninsured motorists, this form of insurance coverage is mandatory, but in Louisiana a motorist can choose either to purchase uninsured/underinsured motorist coverage, or to decline this additional protection. This protection may be exclusive to medical payments, economic loss coverage, or it may provide full protection that will take into account the pain and suffering you may endure in a collision as well as providing much needed funds for medical bills and economic loss.
As the name suggests, uninsured/underinsured motorist coverage doesn’t just come into effect if you’re struck by an uninsured driver. Louisiana law provides that motorists must carry minimum coverage of $15,000.00 per person, $30,000.00 per accident, and many motorists purchase only this minimum, which can quickly be exhausted by medical bills. Uninsured/underinsured motorist coverage protects you in the event that your damages exceed the amount of coverage held by the person who hit you.
It’s important to protect ourselves against risk, and our mandatory liability insurance protects us against being held financially responsible for the damage we cause another person in a collision. But uninsured/underinsured motorist coverage is essential for the driver who wants to protect himself against the damage caused to him by a motorist who violates the law and doesn’t purchase any insurance, or in instances where the insurance coverage on a vehicle that hits you isn’t enough to cover your damages. Another important part of protecting yourself and your rights, if you’re in a car crash, is to consult with an attorney who understands how to recover as much as possible for the damages you’ve suffered. If you’re in a car crash, the experienced attorneys at The de Boisblanc Law Firm are ready to schedule you for a free, no-obligation consultation today.
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