New Orleans Uninsured Motorist Coverage
As a driver, we take responsibility for being on the roadways in a number of ways. Drivers must act according to the Louisiana traffic laws so they as well as other motorists are safe. Car insurance is required to ensure that your car and another vehicle are covered in the case of an accident. Full coverage insurance ensures that all vehicles involved are covered while liability insurance takes care of the other vehicle if you are involved in an accident. But what happens if you are hit by someone while driving and they do not have car insurance? You may have a case if you have coverage known as an underinsured motorist or uninsured motorist within your automobile insurance policy. This insurance is an option available to you when purchasing insurance for your vehicle.
If you have uninsured motorist coverage, then you are covered when hit by someone who does not have automobile insurance or does not have enough to cover the claim. You then have the ability to recover from your car insurance carrier. If you find that you have been involved in such an accident, check your policy to see if the coverage is offered. It will most likely be listed as UM on your policy if available.
It is a good idea to have UM coverage as it covers you in case of an accident with an uninsured driver and is usually inexpensive to carry. It is often not discussed by your insurance provider as it is inexpensive and if a claim is filed, then your provider must offer coverage. But of course, this is why we have insurance.
Incidents of Hit & Run
One good reason for having uninsured motorist insurance or underinsured coverage is due to hit and run accidents. Accidents where the driver leaves the scene after hitting someone is known as a hit and run. When the driver leaves the scene and is never located, the victim that is injured does not have the ability to use the driver’s insurance to file a claim. This would be an instance where the UM insurance is used for coverage. When the New Orleans driver that is at fault leaves the scene, you are then left to pay for your own expenses out of pocket unless UM coverage is within your policy.
It is not uncommon for pedestrians to be involved in automobile accidents, particularly hit and runs. With UM coverage, an individual will be covered based on bodily injury protections within the policy. This will help to pay for medical expenses incurred due to injury along with other damages that may be caused.
If you have been the victim of a hit and run or an accident in which the other party was not insured, learn more about what your legal rights are in New Orleans. You may have a case based on the circumstances of your accident. Contact a Louisiana personal injury attorney to speak with a specialist in personal injury claims involving car accidents to find out if you have a case and get the ball rolling on making a claim.