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What happens when an uninsured driver causes an accident in Louisiana?

Arlington, LA – Liability insurance is required for anyone who wants to drive a car in Louisiana. This type of coverage pays for all of the damage caused by the driver when they are involved in an accident. However, despite the laws that require auto insurance, it is still fairly common for people to drive uninsured cars. These uninsured drivers can be involved in accidents, and there may be difficulties paying for any costs after a collision. Anyone who has been harmed during a collision with an uninsured driver can meet with an attorney near me to get advice and decide on a course of action. 

After the accident

A driver who has been hit should follow all of the same procedures, regardless of whether the person is insured or not. This includes remaining at the scene, notifying the local police, and exchanging information with the driver. It is also required under the terms of an auto insurance policy for the driver to notify their insurance company of the collision as soon as possible. Failing to do so can result in the cancellation of the policy or other problems. 

Uninsured motorist coverage

Many auto insurance companies offer specific protection to those who want to pay an additional price if they are involved in a crash with an uninsured person. The uninsured motorist coverage will cover the accident victim’s costs, even if the person responsible did not have any liability insurance at the time of the car collision. However, because this coverage is not required by law and it increases the cost of an auto insurance policy, not all drivers will have uninsured motorist coverage.  

Lawsuits against uninsured drivers

Even though a driver without insurance may have difficulty affording to pay for all of the damage that they caused, they can still technically be sued. A civil accident lawsuit will compel the person to pay for things like lost income and wages, medical treatment, and property repairs. Accidents that result in serious consequences also allow the victim to project their future losses such as career losses and the costs of healthcare for a permanent injury. If there is no liability insurance in place, they will be personally liable for paying these amounts. However, uninsured motorist coverage is often preferable to trying to sue someone in this situation, as it may be very difficult to try to collect the money from them.  

Accident lawyers in Louisiana

Miller, Hampton, and Hilgendorf is a law firm that works with local clients in Arlington who have been injured in an accident. Their attorneys focus on personal injury law and car accident issues in Louisiana. 

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806

225-343-2205

www.mlhlaw.com

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