When you’re involved in an accident with an underinsured driver, the aftermath can be overwhelming. Medical expenses, lost wages, and dealing with insurance companies can turn an already stressful situation into a challenging time. That’s why having a dedicated Baton Rouge underinsured driver lawyer on your side can make all the difference. At Rozas Injury Law, we are committed to helping injury survivors navigate the legal process, pursue fair compensation, and get the support they need.
An underinsured driver is someone whose auto insurance policy limits are too low to cover the medical expenses, property damage, and other losses resulting from an accident. While Louisiana requires drivers to carry a minimum level of insurance, that coverage is often insufficient for serious injuries or extensive medical treatment.
This is where underinsured motorist coverage becomes crucial. If you have this type of coverage, it can provide the additional compensation you need to bridge the gap between the responsible party’s coverage and the full extent of your losses. However, filing claims for underinsured motorist coverage can be a complex legal process that requires the guidance of an experienced accident lawyer.
Dealing with insurance companies after an accident is never easy. Their primary goal is to minimize payouts, which can leave you struggling to cover your medical expenses, lost wages, and other damages. A Baton Rouge underinsured driver lawyer will:
Victims of underinsured driver accidents often face several challenges, including:
Serious injuries can lead to significant medical bills, including costs for medical treatment, physical therapy, and long-term care. Without sufficient insurance coverage from the at-fault driver, injury survivors are often forced to rely on their own auto insurance policies.
If your injuries prevent you from working, you may be entitled to compensation for lost wages. However, insurance companies often attempt to undervalue this aspect of a claim. A skilled accident attorney will ensure that your wage loss is properly calculated.
Accident survivors experience more than just physical injuries. The emotional distress and pain and suffering that follow a collision can have a lasting impact on your well-being. Calculating pain and suffering damages requires an in-depth understanding of the legal process and how Louisiana courts assess these non-economic damages.
Property damage from an auto accident is often overlooked, but it can be just as costly. Whether it’s damage to your vehicle or personal belongings, a Baton Rouge accident attorney will pursue reimbursement for all property-related losses.
Insurance companies often use tactics to reduce payouts. From delayed phone calls to outright denials of claims, these tactics are designed to frustrate accident survivors into accepting low settlements. An experienced lawyer will hold them accountable, ensuring you are treated fairly throughout the claims process.
After being injured in an accident with an underinsured driver, you have the right to pursue compensation for your losses. Compensation may include:
Navigating the legal system while recovering from injuries can be daunting. That’s why it’s crucial to have an accident attorney with a proven track record fighting for your rights.
If you’ve been injured by a negligent driver, it’s important to act quickly. Louisiana’s statute of limitations only allows a limited window of time to file claims for compensation. Hiring an attorney immediately ensures you have enough time to build a strong case.
At Rozas Injury Law, our team has the extensive experience necessary to take on insurance companies and fight for the compensation you deserve. Our attorneys will provide clear communication, answer your questions, and support you through this challenging time. Your recovery and well-being are always our top priority.
If you were injured in an accident with an underinsured driver, you don’t have to face the aftermath alone. Learn more about your legal rights. Call Rozas Injury Law, LLC at 225-343-0010 to schedule your free, no-obligation consultation. You can also reach us anytime through our contact page. Let us help you take the first step toward justice and peace of mind.
1. What should I do if I’m hit by an underinsured driver in Baton Rouge?
If you are hit by an underinsured driver, you should first seek medical treatment to address any injuries. Report the accident to the police and gather information from all parties involved, including the negligent driver’s insurance details. Contact an accident attorney as soon as possible to ensure your rights are protected and to begin the claims process.
2. Can I still recover compensation if the at-fault driver doesn’t have enough insurance?
Yes. If the at-fault driver’s insurance policy is insufficient, you may be able to recover compensation through your own underinsured motorist coverage. Your accident lawyer will review your policy and pursue the maximum compensation available.
3. What damages can I recover after an accident with an underinsured driver?
You may be able to recover damages for medical bills, lost wages, pain and suffering, and property damage. If you have underinsured motorist coverage, your policy may cover the remaining expenses that the at-fault driver’s insurance did not cover.
4. How long do I have to file a claim after an accident with an underinsured driver?
Louisiana’s statute of limitations for personal injury claims is one year from the date of the accident. This means you have one year to file your claim. Failing to meet this deadline could prevent you from recovering compensation.
5. How can an attorney help with an underinsured driver claim?
An attorney can help you navigate the legal procedures, negotiate with insurance companies, and pursue a fair settlement. They will ensure that your claims are properly filed and that your legal rights are protected.
6. What if the insurance company denies my claim?
If your claim is denied, an accident attorney can challenge the denial. They will investigate the accident, gather evidence, and negotiate with the insurance company to pursue a fair settlement. If necessary, your attorney will take your case to court to seek compensation.
