Must Your Insurer Always Look Out For You?
Your automobile insurance company has a complicated relationship with you as its insured. Most insurance policies will provide several different types of coverage and your insurance company can play a different type of role in regard to each type of coverage. Very often your insurance company can be responsible for payment of medical [...]
Basics Of UM Insurance In Louisiana
UM insurance coverage is meant to protect you in the event that another individual causes an accident and you sustain injuries and damages greater than the amount of insurance that the other individual who caused the accident has available to you. In other words, if an underinsured or uninsured individual causes an accident, you can [...]
Express Rejection Required Of UM Insurance In Louisiana
In Louisiana it is required that the insured (you) expressly and in writing reject UM coverage if it is not included with your liability insurance coverage. In other words, before your own insurance company can deny providing you with UM coverage, you must sign a form expressly rejecting UM coverage with your automobile insurance policy. [...]
Determine Your Own UM Insurance Coverage
One of the first steps you should take after you have been involved in an automobile accident in Louisiana is to determine if you have UM coverage. Under ideal circumstances, you will have purchased UM coverage through your own automobile insurance company. Unfortunately many individuals in Louisiana do not understand UM cover or are even [...]
Insurance of the Vehicle That Caused Your Accident
Determining the availability and amount of insurance on the vehicle that caused your accident is one of the first steps in evaluating your claim. Unfortunately if the vehicle that caused your accident does not have any insurance available, you will be limited to recovering from your own UM insurance (if available). Typically you can determine [...]
Collecting Workers’ Compensation Benefits When Involved In A Commercial Vehicle Accident
In Louisiana if you are driving a commercial vehicle or riding as a co-employee in a commercial vehicle and you are involved in an accident, not only may you be able to collect damages arising out of the vehicle accident itself, but you are also entitled to workers’ compensation benefits since your accident and injury [...]
Using Your Own UM Coverage In A Commercial Vehicle Accident
If you have UM coverage, you can pursue your own insurance company for any damages for which the commercial vehicle liability policy does not provide coverage. In other words, if the company issued liability policy has limits of $100,000.00, and you have sustained serious injuries totaling more than $100,000.00, you will receive the first $100,000.00 [...]
UM Coverage Through The Company’s Vehicle Policy
Many Louisiana companies purchase UM coverage in addition to liability coverage for their automobiles. This UM coverage purchased by the company can sometimes provide a tremendous benefit to you if you have been injured while riding in, or driving, a company vehicle. Unfortunately in order for the coverage to apply, you must have been traveling [...]
Bad faith claims against your insurer
In Louisiana your automobile insurance company has a duty to handle your claim in a good faith fashion. This is often called the good faith duty that is owed to you by your own insurance company. Louisiana law allows individuals to file a claim against their own insurance company if their insurance company has failed [...]
