In Louisiana several studies show that up to 60% of drivers are uninsured or only carry minimal limits. In Louisiana minimal insurance limits for bodily injury in a car. Accident is only $15,000. If you were involved in a car accident where in the driver of the vehicle that caused the accident did not have insurance. There are still multiple different avenues of potential recovery.
There are other potential insurance policies in a car accident
In general, when a car accident occurs, the driver’s insurance policy will be the primary policy for recovery. However, should the driver not have car insurance effective at the time of the accident? There are other potential insurance policies to potentially recover from.
If the vehicle was owned by someone, other than the driver, that insurance would be applicable, should that uninsured driver be at fault. In addition, should the driver and the vehicle not have insurance or not have adequate insurance, you can look to your own insurance policy to see if you have liability coverage under your (UM) uninsured motorist provision.
Should you have any questions or you would like to discuss this issue in further detail, please do not hesitate to contact us to schedule a free consultation.