Fletcher & Roy

Injury Lawyers


Following a serious motor vehicle accident, liability car insurance can provide a lifeline. If a negligent driver is responsible for your injuries, their insurance company is obligated to provide compensation for your losses.

While most states, including Louisiana, require drivers to carry liability insurance, many don’t fully understand what it covers. According to a 2010 survey by the National Association of Insurance Commissioners, more than half of U.S. drivers are confused about auto insurance.

In basic terms, liability insurance covers losses suffered by other people due to the insured person’s negligent driving (i.e., following too closely, reckless driving, failing to obey traffic laws). It has two parts:

  • Bodily injury – Pays for medical expenses relating to the accident, including rehabilitation, long-term nursing care, funeral expenses, lost earnings, pain and suffering, and related losses, up to the policy limits. In Louisiana, the Statutory minimum limits is $15,000 per person and $30,000 per accident.
  • Property damage – Pays for expenses related to the repair or replacement of damaged property, including vehicles, light posts, houses and personal items, up to the policy limits.

In addition to the policyholder, liability insurance also typically covers licensed drivers given permission to drive the vehicle. Therefore, if a friend or family member was driving the vehicle at the time of the crash, the insurance company must still honor the claim.

Even when the at-fault driver has the appropriate coverage and liability is reasonably clear, insurance companies generally do not pay claims without putting up a fight. For example, they may offer you substantially less than your claim is worth or pressure you to accept a settlement without fully understanding the legal implications.

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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