Fletcher & Roy

Injury Lawyers

THE MOST IMPORTANT INSURANCE COVERAGE TO BUY: UNINSURED/UNDERINSURED COVERAGE

This is important for everyone to know regarding your auto insurance in Louisiana. We recently worked with a client who was involved in a car accident. His vehicle was violently hit head-on by a negligent driver that did not have liability insurance. The driver of the other vehicle was 100% at fault.

Our client thought he had a “full coverage” insurance policy; however, we found that he was only paying premiums on a $100,000 liability policy.  This means since the driver that hit him was uninsured, he cannot recover any damages from his insurance company.

Louisiana requires insurance carriers to sell “uninsured/underinsured” coverage, unless specifically rejected by the insured.

Here, if our client had uninsured/underinsured coverage, his own carrier would have stepped up to the plate to cover his damages. Many insurance agents don’t talk to their insureds about this.

The difference between uninsured and underinsured

“Uninsured” is defined as NOT having ANY insurance. Thus, if the driver of the at-fault car had an insurance policy for $50K in coverage, he is not “uninsured” but rather “underinsured.”

As a firm that has represented catastrophically injured people for more than a combined 60 years, we have seen that the compensation received after an accident is often a significant factor in one’s recovery and quality of life going forward.  PLEASE check your policy and be sure you have “uninsured/underinsured” coverage. Personally, we would recommend the most coverage you can afford. It costs very little additional premium and is the only way to compensate your family if you are hurt by someone with minimal insurance.

If you have been injured in an accident, call our office NOW: 888-8000.  You will speak directly to an attorney (Ralph, Richard or Ryan) to learn what you need to do to make the best case against the insurance company.

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