Ask One Of Our Attorneys About Your Coverage | Spencer Calahan Injury Lawyers
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Ask One Of Our Attorneys About Your Coverage

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Our law firm of personal injury attorneys and car accident lawyers have years of experience getting settlements from insurance companies. Unfortunately, car insurance is just one of those necessary evils in life. However, some of the companies that sell it have earned a reputation for being unscrupulous when it comes to paying out after an accident or mishap. You definitely want an injury law expert on your team to advise you as to what is okay for insurance companies to do and what is not ok for them to do. That’s where our personal injury attorneys come in. Our first post for our today’s blog review series addresses the information you should share with an insurance adjuster in the presence of your attorney.

The second article clears up some commonly misunderstood information regarding the insurance coverage you have on your car. If you think you have full coverage on your vehicle then you will want to read that article for a better understanding of the multitude of meanings for the term “full coverage”.

How Much Interaction Should I Have With The Insurance Company?

“The very simple answer to this question is yes, but in limited circumstances and only with the consent of your lawyer. In situations such as initial conversations with the adjuster, it will likely be okay for you to speak with them. You, better than anyone else, will know where your vehicle is or when it will be available for them to assess the damage. Very small details such as these are typically fine to discuss without your attorney present. However, more detailed or case-specific conversations about the accident or your injuries should never occur in the absence of your lawyer.”

“The best way to know if a specific conversation will have a negative impact on your case is to first contact your attorney. Once you have representation, err on the side of caution and get their input before speaking to anyone in person or over the phone. Certainly, one topic that is never okay to discuss without attorney guidance is the accident or your resulting injuries. If these questions begin to arise, defer the matter to your lawyer.”

What Is Full Coverage Auto Insurance?

“Uninsured motorist coverage provides you with protection if you are injured in an accident with an at-fault driver who does not have insurance. Similarly, underinsured motorist coverage protects you in the same event if the other driver doesn’t have enough insurance to cover your damages. Uninsured/Underinsured motorist coverage is required under Louisiana law, unless drivers sign a rejection form should they choose not to carry it.”

“Unfortunately, in many instances insurance companies will offer this form for signature without a full explanation of its implications. It isn’t until the driver finds himself in a collision with an under or uninsured motorist that he really understands. As a responsible driver, it is important that you not only request uninsured motorist coverage, but that you thoroughly review all documents before you sign.”