What are some reasons car insurance will not cover losses in Louisiana?

Baton Rouge, LA – Many people who are involved in an accident or have other issues with their car are surprised to find that their losses may not be covered. There are a number of different reasons why this happens, and policyholders should always check their terms and contact their insurance provider with any questions. In cases where an insurance company may be acting in bad faith or violating their own terms, it is important for an accident victim to get assistance from a lawyer to protect their financial interests. 

Forms of damage that are not eligible for coverage

Car insurance is mostly meant for various kinds of accidents and unintentional damage. This means that all forms of mechanical problems and normal wear on the vehicle are the responsibility of the owner. Insurance is not a solution for various issues that cause a vehicle to lose value over time.  

Even things like theft and vandalism are only covered if the driver has purchased a comprehensive policy, which is not required by law in Louisiana or any other state. Comprehensive coverage can be an additional cost that many drivers are simply unwilling to pay.  

Mistakes and administrative errors

Dealing with a car insurance company can sometimes be a hassle. Much of the burden of collecting and providing evidence of losses is on the accident victim. Adjusters will often try to underestimate vehicle damage and save the provider money, then the victim will need to spend more time on an appeal process to get a different damage estimate. This can consume large amounts of time, and many drivers do not fully defend their own rights because they simply do not have the free time and resources to deal with an insurance company properly. 

In addition to these issues, insurance companies sometimes make legitimate mistakes as well. They may tell a driver that a certain type of damage is not covered, or deny a claim even if they are not acting according to the terms of their own written policy. In cases where an auto insurance company is being unfair, advice from an accident attorney is recommended. 

Attorneys who handle issues with insurance and accidents

The best option for anyone who has been involved in a collision and filed a claim is to get legal help as well. The attorney can deal with the insurance company and make sure that the claimant is treated fairly and compensated properly. 

Louisiana accident lawyers

Miller, Hampton, and Hilgendorf is a personal injury firm that assists local clients in the Baton Rouge area with their civil lawsuits. Anyone who needs legal help can contact the firm to learn more. 

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806

225-343-2205

www.mlhlaw.com