Legal Protections with Uninsured/Underinsured Motorist Coverage

Many consumers often question whether or not they should purchase uninsured/underinsured motorist coverage along with liability insurance coverage on their automobiles?

The answer is most definitely "YES".

Uninsured/underinsured motorist coverage will pay you in the event that you are involved in an automobile accident and someone else is at fault. It is available to you when that other person is uninsured OR does not have enough liability insurance to compensate you for the full extent of your loss.

Most states, including Louisiana require that all drivers have liability insurance when operating an automobile.  However, there are a significant number of drivers who allow their insurance to lapse through failure to pay premiums in a timely fashion. Often times these vehicles are involved in accidents before the state catches up to these individuals.

The minimum liability coverage mandated by Louisiana law is only $15,000 per each person injured in an accident or $30,000 maximum should more than one be injured. If you have a significant injury as a result of an automobile accident, the medical bills and lost wages will quickly exceed the $15,000 per person limit.

If the individual who caused the accident had no insurance or was underinsured, then the uninsured/underinsured provisions of your policy would be applied over and above that which you recovered from the wrongdoer. This will help compensate you for your injuries up to the applicable limits in your policy. A claim against your uninsured motorist coverage does NOT count as an at fault claim against your insurance and will not increase your premiums.

There is additional premium to be paid for uninsured/underinsured coverage, but it is well worth it. Some insurance companies offer uninsured/underinsured coverage for economic damages only at a reduced premium. This reduced coverage will only pay you for medical bills and lost income and NOT for you pain and suffering.

If you are injured in an accident, contact the lawyers at Jim Hall & Associates for a free consultation, Call Hall at 504‑832‑3000 or Click ‑ callhall.com.

Injured by a Commercial Vehicle? You Need an Experienced Attorney

At Jim Hall & Associates, LLC., we have handled thousands of automobile accidents. Many of those automobile accidents involved collisions with various kinds of commercial vehicles, including 18-wheelers and other big rigs.

If you have been injured by a commercial vehicle or big rig you should retain the services of an attorney immediately to protect your rights. The representative of the insurance company will probably contact you immediately in an attempt to get you to agree to a quick settlement involving a minimum amount, even before your injuries have been diagnosed or resolved. Additionally, they may attempt to obtain some admission from you which they can use against you in court.

The lawyers at Jim Hall & Associates, LLC., will immediately contact the owners of the truck and act as your representative, preventing them from contacting you directly.

Remember, no matter how friendly the company representative seems to be, their one and only goal is to dispose of your claim as soon as possible and for a minimal amount. When you need a ''tough trucking lawyer" call Jim Hall & Associates, LLC  at 504-832-3000 immediately should you be involved in an accident with a commercial vehicle or some other truck or big rig.

WHAT TO DO IN CASE OF AN ACCIDENT!

You think insurance companies act in your best interest; BUT THEY DO NOT! 

Insurance companies will require that you complete claim forms, reports, unlimited authorizations for medical and wage information and (not limited to the accident), other paperwork and may even request recorded statements. All of this may be used against you at a later date. Insurance companies often act quickly to deny your claim or encourage you to settle for a lower amount before you have time to talk with a lawyer. Your insurance claim should be handled properly and professionally in your best interest. 

In the blink of an eye your life may change forever! 

Welcome to Jim Hall & Associates

• Working for injured persons and their families for over 20 years;
• Free Consultation. No fee unless you collect; 
• Home, hospital, evening and weekend appointments available; 
• Licensed to practice in Louisiana and Texas 

We offer free consultation so you have nothing to lose by contacting us first.

For a free consultation “CALL HALL” at 504-832-3000.

CHOOSING THE RIGHT PERSONAL INJURY ATTORNEY WILL BE THE MOST IMPORTANT DECISION THAT YOU MAKE REGARDING YOUR CASE

A motorcycle, truck or car accident can be a life altering event that can injure your body and mind.  You will have many decisions to make after the accident one will be choosing the right personal injury attorney. 

Here at Jim Hall & Associates we have experienced and effective personal injury attorneys and employees that can get you a settlement that will recover for you lost wages and medical bills as well as compensation for your pain and suffering as a result of your accident.

We believe that you deserve to be compensated for your losses.  You also deserve to be treated with kindness and respect.  We pride ourselves on the high level of service we provide.  Our philosophy is first rate legal services in addition to compensation.  We are here to help.

Jim Hall & Associates have been representing those who have been injured in car,

truck, including tractor trailer and motorcycle accidents in Southeast Louisiana for more than 30 years, and we have the experience that you need.  We are dedicated to helping the truly injured with unparalleled personal service.  We will walk you through every step of the process, insuring that all of your questions are answered and that you always feel comfortable and confident with us.  You will never feel alone when you are working with Jim Hall & Associates.

                                                 “CALL HALL”