As a result, Louisiana has minimum liability coverage requirements for all motorists. Under state law, drivers must purchase a policy that includes coverage for at least $25,000 in property damage, at least $15,000 in bodily injury per person, and at least $30,000 in bodily injury per collision.
Unfortunately, even when a liable motorist has more than enough coverage and admits fault, the claims process can be complicated, and hurdles are likely to arise along the way. If you were hurt in a crash with a reckless driver, a Bastrop car wreck lawyer can handle the legal aspects of your claim so you can focus on your health.
What Is Comparative Fault?
When it comes to personal injury claims, Louisiana is a tort state that operates under comparative fault laws. That means accident victims can recover compensation for the damages they incur even if they were partially at fault for the incident.
In the state of Louisiana, you may pursue compensation from any and all parties that played a role in the collision, regardless of how much you might have contributed to the crash yourself. You will simply be unable to recover compensation for the percentage of damages for which you are responsible.
This may sound reasonable enough, but it is important to remember that comparative fault laws only apply to formal civil suits. If you file a third-party claim with the liable motorist’s insurance provider, the company can use its own formula for calculating a fair settlement amount. Thus, the amount of compensation you can recover in a traditional insurance claim comes down to the strength of the evidence you gather, the total damages incurred, and your negotiating skills.
Since insurance adjusters are essentially professional negotiators, it is wise to hire an experienced attorney to represent your best interests during the proceedings. A lawyer will not let the adjuster bully you into accepting a settlement that does not take into account all potential costs, including both economic and non-economic damages.
If you sustained injuries in a car accident with a drunk, distracted, or reckless driver, a Bastrop personal injury attorney can interview witnesses, gather medical records, calculate damages, and negotiate with the opposing party on your behalf. Contact The Downs Law Firm today to discuss your case.