Personal Injury

What Should I Do After a Car Accident in New Orleans? Direct answer: After a New Orleans car accident, get to safety, call for emergency help when needed, report the crash, exchange information, document the scene, seek appropriate medical care, and preserve evidence. Every Louisiana injury claim turns on its own evidence, insurance coverage, medical

How Long Do I Have to File a Car Accident Lawsuit in Louisiana? Direct answer: Louisiana filing deadlines depend on the date and type of claim. For many delictual actions arising on or after July 1, 2024, Louisiana law provides a two-year prescriptive period, while earlier claims may be governed by the former one-year rule.

What Happens When the At-Fault Driver Has Minimum Insurance? Direct answer: When an at-fault driver has only minimum liability coverage, that policy may be insufficient for all losses. Other potential sources can include uninsured or underinsured motorist coverage and additional legally responsible parties. Every Louisiana injury claim turns on its own evidence, insurance coverage, medical

What Is a Policy Limits Demand? Direct answer: A policy limits demand is a documented settlement proposal asking an insurer to resolve a covered claim within the available liability limits. Its content, supporting proof, deadline, and compliance with Louisiana law matter. Every Louisiana injury claim turns on its own evidence, insurance coverage, medical history, and

Can I Make a UM Claim After a Louisiana Car Accident? Direct answer: You may be able to make an uninsured or underinsured motorist claim if the at-fault driver lacks sufficient coverage and your applicable policy provides UM protection. The policy, rejection forms, and accident facts should be reviewed. Every Louisiana injury claim turns on

What Is Uninsured/Underinsured Motorist Coverage? Direct answer: Uninsured and underinsured motorist coverage can protect an insured when a responsible driver has no liability insurance or insufficient limits. Louisiana policy language, valid selection or rejection documents, and damages affect coverage. Every Louisiana injury claim turns on its own evidence, insurance coverage, medical history, and deadlines. Early

How Are Louisiana Car Accident Settlements Calculated? Direct answer: A Louisiana car accident settlement is evaluated using liability, medical causation, treatment, lost income, future losses, pain and suffering, policy limits, liens, and the risks and costs of litigation. Every Louisiana injury claim turns on its own evidence, insurance coverage, medical history, and deadlines. Early preservation

Can a Passenger Make a Claim After an Accident? Direct answer: An injured passenger may generally pursue a claim against one or more drivers or other parties whose fault caused the accident. Available insurance, comparative fault among drivers, and damages shape the claim. Every Louisiana injury claim turns on its own evidence, insurance coverage, medical

What Happens When Multiple Injured People Share One Policy Limit? Direct answer: When several injured people seek recovery from one liability policy, the per-accident limit may be inadequate. Timing, documentation, competing claims, settlement strategy, and other available coverage become especially important. Every Louisiana injury claim turns on its own evidence, insurance coverage, medical history, and

Should I Give the Insurance Adjuster a Recorded Statement? Direct answer: Before giving a recorded statement, understand which insurer is requesting it, whether your policy requires cooperation, and how the statement may be used. Consider obtaining legal advice before agreeing. Every Louisiana injury claim turns on its own evidence, insurance coverage, medical history, and deadlines.