What kinds of damage does auto insurance cover after an accident in Baton Rouge?

Baton Rouge, LA – Drivers carry auto insurance so that they will not be personally liable in a financial sense for causing an accident. Aside from liability coverage which is required by law, it is also possible that a driver can choose to purchase additional types of coverage that will pay for various other costs associated with motor vehicle accidents and other problems. However, even when coverage is available, it is not always guaranteed that the insurance process will be helpful, and the services of an accident lawyer may be necessary. Some attorneys focus their practice on issues related to motor vehicle collisions and auto insurance issues. 

Liability coverage

The main purpose of liability insurance, which is required in Louisiana and every other state, is so that a driver does not have to pay for any injuries or damage they cause out of their own money. A standard auto insurance policy generally covers up to several thousand dollars worth of property damage and bodily injuries per accident when the driver is found to be at fault. 

Collision coverage

Many drivers will want to cover damage to their own vehicle through their insurance policy, although this is technically not required by law. However, cars that are financed through a loan will generally require collision coverage. The driver usually has to pay a deductible, then their insurance provider will pay for the rest of the repairs. 

Comprehensive policy

A comprehensive policy is meant to help an owner of a vehicle pay for things like damage caused by vandalism, crime, theft, and other unforeseen incidents that are not related to accidents caused by drivers. 

Uninsured or underinsured drivers

An accident caused by a person who does not have insurance can be a problem. The victim may be left with medical bills and other costs with no financial assistance. Insurance companies anticipate this problem and allow drivers to buy coverage for situations where an insurance provider is not available. 

When is an accident lawsuit necessary?

All drivers who have been hurt in a crash should consider meeting with a lawyer to get additional advice. It is possible that the victim may need to sue another driver to receive sufficient compensation for their losses, even when they have valid auto insurance. This is especially true after serious accidents that may be more costly than what an insurance company is willing to pay out, and when the victim will have long term problems. 

Louisiana accident lawyers

Miller, Hampton, and Hilgendorf is an accident firm that helps people in the Baton Rouge area. Their attorneys work with local clients to maximize their compensation for injuries. 

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806



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