It's bad enough to be injured by a careless or negligent driver. It's even worse for the injured party when he or she finds out the driver who caused the wreck did not have insurance. Driving without insurance is illegal in Louisiana. Unfortunately, there will still be people who ignore the law and remain uninsured.
When an uninsured driver causes a wreck, the injured victim may be left wondering how they will pay for their medical expenses and cover their lost wages. They may worry that they will never receive fair compensation for their physical and emotional pain and suffering.
In situations like this the injured party has the right to make a claim against the uninsured motorist coverage of their own automobile insurance policy. Uninsured motorist coverage is required in every Louisiana auto policy, unless a customer makes a written rejection of the coverage.
Uninsured coverage kicks in when the policyholder is injured by a driver who had no insurance, or who had some insurance, but not enough to pay the personal injury damages caused by their negligence. The coverage essentially takes the place of the liability insurance the negligent driver failed to carry. Uninsured coverage also provides protection when a policyholder is injured by a hit-and-run driver who flees the scene and is never identified.
At the Fell Law Firm our attorneys are well-versed in the complexities of automobile insurance law. We know that insurance companies fight uninsured motorist coverage claims just as aggressively as they fight liability claims. We know the strategies employed by insurance companies to frustrate claims by their own insureds, and we know how to beat those strategies and recover the compensation our clients deserve.