What happens when damage from a car accident costs more than an insurance policy will cover?

Baton Rouge, LA – All auto insurance policies have certain limits built into their terms. This means that a driver is only paying for a certain amount of coverage, and there is no auto insurance that will definitely pay for any and all damage associated with an accident. There are ways that accident victims can receive compensation for losses not covered by their policy, but this normally involves filing a lawsuit in addition to an insurance claim. When considering these issues, drivers should realize that an insurance policy is not always a perfect solution to solving all of the problems caused in a car crash. 

The policy limit

The average auto insurance policy may cover several thousand dollars of damage. This type of coverage for basic liability is required in Louisiana and all other states in the country. However, if the total losses associated with the crash exceed what the insurance company is required to pay based on the terms of the relevant policy, the victim is essentially left on their own. Mandatory insurance requirements tend to factor the average costs of an accident, but people who sustain severe injuries and other financial losses may face serious consequences due to not being able to pay for medical treatment and other important expenses. The insurance companies generally do not want to cover these kinds of accidents due to the need for profits and the risk of paying out very large claims. 

Personal injury lawsuits

People who have been injured in a car crash always have the right to discuss their situation with a local lawyer. Most people who find themselves in a situation where they need to speak with a lawyer have expensive medical bills, lost income and wages, and other financial problems caused by their accident. The good news about injury lawsuits is that they can summarize all of these costs, and argue that the defendant must pay for all of these costs due to their negligence. The plaintiff’s attorney will essentially have to prove that the defendant was not careful enough while driving, and that they were the direct cause of the injuries to their client. In most situations, the lawyers for both sides will come to a settlement that pays for most of the plaintiff’s losses. 

Meeting with experienced accident lawyers in Louisiana

Miller, Hampton, and Hilgendorf is a firm that focuses on helping people who were hurt in an accident in the Baton Rouge area. Their attorneys can provide representation and advice about how to bring a lawsuit against the person or business responsible for any injury. 

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806

225-343-2205

www.mlhlaw.com