Does The Severity Of My Injury Ensure The Likelihood Of A Larger Settlement?

The severity of the injury does not ensure a larger settlement, but it does help. You have to realize that insurance companies stay in business not by paying out large sums of money, but by way of settlement. They pay large settlements only when you have a good experienced trial lawyer developing all aspects of your claim and, not just based on the severity of the injury. We know how to convince courts, judges, and jurors, and are experienced in obtaining large award amounts for serious injuries. Statistics show that claimants who are represented by an attorney get up to three times more than those who are not represented by attorneys.

Can I Win My Case If My Memory Of The Accident Conflicts With My Statements At The Time Of The Accident?

You can win your case if your memory of the accident conflicts with your statements at the time of the accident. Being in an automobile accident is a very traumatic experience. In just a very few seconds, many things happen. It is not unusual for the brain to bury the recollection of unpleasant happenings. A good plaintiff trial lawyer knows how to reasonably explain this apparent conflict to the judge or jury that may be trying your case.

What Role Does The Police Report Play In My Auto Injury Claim?

The police report is very useful as a beginning point in the investigation of an automobile accident and your auto injury claim, but it is only a beginning point. The police report is a multi-page document with many bits of information. Its contents need to be analyzed and verified and they need to be supplemented by your attorney in developing your injury claim. The police report is not binding and it can be contradicted or it can be defended actually if it is in your favor. Good trial attorneys know how to do this before the judge or jury.

What Happens If The At-Fault Driver Is In A Company Vehicle When The Accident Happened?

Generally, if the at-fault driver is in a company vehicle that is insured when the accident happened then the company’s insurer will pay the claim. The policy covers both the at-fault driver and his employer. Most employees’ personal insurance policies exclude coverage if the employee is at work and he is using his employer’s vehicle. This situation of being hit by someone driving a company vehicle is usually a plus for the claimant since business companies, as a general rule, buy auto insurance policies with higher coverage limits than employees have on their personal vehicles. We generally try to uncover facts proving that the employee was not only in a company vehicle but he was also operating it on company time, thus making the company employer liable for your damages along with that company’s auto insurance liability policy.

If The At-Fault Driver Was In Someone Else’s Vehicle, Who Will Pay For My Injuries And Damages?

If the at-fault driver was in someone else’s vehicle, the insurance company that has coverage written on the borrowed vehicle would be primarily liable generally for your injuries and damages. But if your claim exceeds past the limits on the borrowed vehicle, then the insurance company of the at-fault driver will owe you for the value of your claim above the limits on the borrowed vehicle. Coverage limits should always be looked into to maximize your recovery both on the vehicle that was involved and also on the at-fault driver.

What If The At-Fault Party Has Very Little Or Minimum Insurance Coverage Or No Coverage At All?

It is possible that an at-fault party has very little or minimum insurance coverage or no coverage at all. In Louisiana, fewer than half of the drivers and automobiles involved in collisions do not have any liability insurance coverage at all. Additionally, most drivers who do have coverage buy only the legally required $15,000 coverage per person and $30,000 per accident coverage. This is why you should have uninsured motorist coverage on you and your automobile. With this uninsured motorist coverage, your own insurance company provides you coverage for your injuries if the at-fault driver has either no insurance or has only a minimum coverage that is not sufficient to pay for your very serious injury. Be sure to check your own auto insurance policy and make sure that you have uninsured motorist coverage.

Who Should Pay For My Medical Bills After A Car Accident?

Louisiana law does not require the insurer of the at-fault driver to pay your medical bills upfront. The insurance companies generally pay for those medical bills as a part of the settlement of your claim. They actually use quite frequently the unpaid medical bills as an inducement to get you to settle your claim early before the true value of your claim is known. Therefore, your attorney will check to see if you have insurance from one or more of the following sources to get it paid up front. Those sources could be Medicaid, Medicare, Veterans Administration coverage, private health or hospital insurance such as Blue Cross or employer-provided health or hospital insurance, or any other type of group, health or hospital insurance. We always look for coverage through one of these to try to get the bills paid upfront rather than being under the pressure of having those bills unpaid during the time that you are being treated for your injury.

For more information on Severity Of Auto Accident Injury In Louisiana, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (225) 228-3450.

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