The Phantom Vehicle Dilemma – Property Damage Or An Independent And Disinterested Witness
In Louisiana an individual’s UM coverage includes damages and injuries caused by a “phantom vehicle”. This occurs when an unknown vehicle causes an accident and fails to stop. The owner of the accident-causing vehicle is never identified and an individual is left with the inability to pursue the accident-causing vehicle’s insurance. In [...]
Does Your Insurer Owe You Money Now?
In Louisiana your insurer owes a duty of good faith and fair dealing under the provisions of any UM coverage which you may have under your insurance policy (or which may provide coverage to you from another policy). There is a Louisiana statute which specifically states that if your insurer is arbitrary, capricious and without [...]
Will Failing To Wear Your Seat Belt Hurt Your Injury Claim?
In Louisiana, evidence of whether or not an injured person was wearing their seat belt during an automobile accident is admissible during the injured person’s claim and court case. As serious injury lawyers, one of the first questions we ask potential clients is whether or not they were wearing their seat belt during their [...]
Louisiana Insurance Requirement Changes For 2010
Effective January 1, 2010, the minimum liability insurance requirements for an automobile driver in Louisiana have increased. The previous law required that an individual maintain at least $10,000.00 in “liability” coverage, and a total of $20,000.00 for multiple individuals for liability coverage. This was referred to as a 10/20 policy.
Louisiana law now requires [...]
Teenage Drivers Living At Home – Who Pays?
Teenagers are often dangerous drivers due to their inexperience as well as their young lifestyle. Lawyers can face some challenges when dealing with vehicle accidents caused by teenagers. Fortunately in Louisiana a teenager living at home is considered a covered driver under his or her parent’s insurance policy. The only exception that [...]
Who Owns The Vehicle? Don’t Forget To Ask
Many car accident lawyers overlook one of the most important issues when you are injured in a car accident. The owner of the vehicle is often different than the person who was driving the vehicle at the time of the accident. Your lawyer must determine who owned the vehicle that caused your accident. [...]
Driving Without Insurance – Can You Still Collect If Injured?
In Louisiana the law requires that every driver maintain at least $10,000 minimum limits of liability insurance. Several years ago the Louisiana legislature amended the law to state that if a driver does not have the minimum liability coverage required in Louisiana, and is involved in an automobile accident, the driver is prevented from [...]
Are You Being Recorded By Your Own Insurance Company?
Insurance companies are very organized businesses. All claims adjusters are required to keep detailed computer notes regarding any conversations that they have with the insureds, i.e. you. Any time you are discussing your claim with your own insurance company, the adjuster on the other end of the phone will be making notes on [...]
Damages To Your Automobile- Who Pays?
Your insurance company has an obligation to pay for any property damage to your vehicle. Often this can be covered under two different provisions of your policy. If you have full coverage which includes not only liability coverage but also comprehensive collision, your insurance company may ultimately be responsible for paying for the full damages [...]
Why Your Insurance Company May Not Be Looking Out For You
One of the trickiest areas to deal with your own insurance company relates to possible UM coverage which may be provided by your policy. Under Louisiana law your insurance company has a good faith duty to deal fairly with you in regard to any UM insurance coverage which it may have provided. Very often your [...]
