The first step you might take is to file a claim with your own insurance company. This is a logical—and smart—move to make, but it may not be enough. The insurance company’s goal is to settle quickly and for as little money as possible. And when the other party involved doesn’t have insurance, your company will likely throw out a lowball number hoping you’ll say yes.
If you decide to accept their settlement offer without having it reviewed by an attorney, you could be putting your financial wellbeing at risk. Instead, consider talking to a Baton Rouge uninsured driver car accident lawyer from Spencer Calahan Injury Lawyers. Having a lawyer on your team can help uncover compensation that the insurance company may purposefully leave out.
Filing an Uninsured or Underinsured Driver Claim
No one wants to be involved in a car accident, but when you’re hit by an uninsured motorist, things are more complicated. Louisiana requires uninsured motorist coverage. That generally means that you can be compensated for your medical care, vehicle damage, and lost wages as a result of the accident.
Unfortunately, even your own insurer isn’t going to be on your side after a crash. They’ll put their profit margins before your needs, and the settlement offer you receive likely won’t include everything it could. They might also balk at paying for damages and care you need for your recovery, leaving you paying out of pocket because the other driver didn’t bother to carry insurance.
Your Baton Rouge uninsured driver accident lawyer will make certain that you receive all of the compensation possible under your uninsured driver policy.
Suing an Uninsured Driver Directly
Another option is filing a personal injury claim against the uninsured or underinsured driver directly. Unfortunately, it’s possible that this might not be a worthwhile course of action. In all likelihood, the other driver didn’t carry auto insurance because he or she couldn’t afford it, which means that even if you win a judgment, the driver might not have any assets to pay you with.
Of course, there are times when this is very much a solid option to explore, but it’s not always obvious what the right decision is. Our office will help you investigate the other driver’s assets so that you can make an informed decision regarding how to proceed.
Connect with a Baton Rouge Uninsured Motorist Accident Attorney
Getting hit by an uninsured motorist isn’t an easy process to go through, especially when your insurance company doesn’t take into account all of the expenses you may face as a result. And while you’re trying to recover, the last thing you want to do is enter into an insurance battle.
To get on the path to the compensation you deserve, schedule a free consultation with a Baton Rouge uninsured driver car accident lawyer from Spencer Calahan Injury Lawyers by completing the form below or by calling us at 225-387-2323.