Metairie Underinsured Motorist Insurance Attorneys
An increasing number of accidents in Louisiana involve motorists who either have no insurance or who carry only minimal coverage. To protect yourself and your family, you should purchase the maximum amount of uninsured motorist/underinsured motorist coverage.
UM/UIM coverage is very important, especially in Louisiana where drivers are only required to purchase a minimum of $15,000 in liability coverage. If you are seriously injured in an accident, $15,000 will not go far in paying your medical bills, let alone compensating you for damages such as lost wages and pain and suffering. UM/UIM coverage provides a source of insurance to pay for your damages if the at-fault driver is either uninsured or does not have enough insurance to pay for your damages.
How Much UM/UIM Coverage Should I Have?
In Louisiana, you can only buy as much UM/UIM coverage as the amount of liability coverage you carry. Therefore, you should buy as much liability coverage as you can afford and carry an equal amount of UM/UIM coverage.
How Do I Know if I Have UM/UIM Coverage?
Insurance companies in Louisiana are required to offer you UM/UIM coverage. If you decline coverage, your insurance company is required to have a signed waiver to prove that you were offered this coverage but chose not to buy it. If the insurance company cannot produce this signed waiver, then our lawyers will seek to force the insurance company to provide UM/UIM benefits as if you had purchased this coverage.
Do I Need a Lawyer's Help to File a UM/UIM Claim?
When you file a claim against your own insurance company, your interests and the interests of your insurance company will be opposite. To protect your right to full compensation, you should consult an attorney as soon as possible.
With law offices in Destrehan and Gretna, our lawyers file UM/UIM claims for clients in Greater New Orleans, the River Parishes and throughout Louisiana.
Will My Car Insurance Rates Go Up if I File a UM/UIM Claim?
By law, your insurance company cannot raise your insurance rates for filing a claim if the accident was not your fault.
For More Information About UM/UIM Claims
We offer a free initial consultation to evaluate your case and answer your questions. To talk to our Gretna, Destrehan or New Orleans uninsured motorist claim attorneys, call 504-264-9524 or fill out the contact form on this website.