Auto accidents can be traumatic experiences and often not your fault. For example, another driver jumped a red light that led to your car accident – you can seek compensation.
In addition, the entire legal process becomes seamless if you are aware of the auto-accident laws in Louisiana.
Your awareness could help you file a lawsuit, secure your insurance money, and even defend yourself if you were also at fault.
All about Car Insurance in Louisiana
The insurance policy in the state is straightforward as it follows an at-fault system.
The insurance company reviews the case upon investigation, and the at-fault driver is responsible for property damage and any medical treatment necessary to the victim.
There are two ways you can seek insurance –
- File an insurance claim with the at-fault driver’s insurance company.
- File a claim with your company to seek reimbursement from the other.
Hence, the amount you receive in insurance depends on the other driver’s insurance policy.
Under state laws, the minimum liability coverage includes –
- $25,000 for property damage
- $15,000 for bodily injury to one person
- $30,000 for injuries to two or more people in the same incident
Louisiana mandates each driver to purchase motorist coverage.
It ensures that you receive compensation under your insurance scheme if the at-fault driver does not have one or their premium does not cover sufficient balance.
Personal Injury Lawsuits in Louisiana
Louisiana offers a unique privilege where victims can directly file a lawsuit without claiming insurance.
Moreover, you can do the same even if you receive the insurance amount and consider it insufficient for your damages and requirements.
However, Louisiana state law implements a statute of limitation limiting the duration until you can file a lawsuit, known as Louisiana (La.) Civil Code 3492.
Therefore, victims can file a personal injury lawsuit within one year of the date of the incident.
It is best to hire an attorney immediately after an auto accident to initiate the insurance process at the earliest or take matters to court.
Sharing the Load
According to the La. Civil Code 2323, Louisiana is a comparative fault state where more than one person can bear responsibility for an accident.
If you are partially responsible for an incident, you are not entitled to full compensation.
Instead, the court governs over personal injury claims to determine the percentage of fault of each involved party. Hence, an insurance adjuster evaluates your final claim.
Call to Action
The entire legal procedure can take a toll on you and your family after a severe accident. It is best to let experts take over
You can learn more about the process by filling up the form on our website.
Related Articles
Determining liability in automobile accident
