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.

Experienced Staff Retention Matters When Hiring a Personal Injury Attorney

Jim Hall & Associates, LLC is very proud of its professional staff.  All of the attorneys and paralegals employed by Jim Hall & Associates, LLC have been working here for ten years or more.  This fact serves as a huge advantage to our clients who place their trust in our staff to handle their individual case in a professional manner.

If you have dealt with other law offices you may have experienced situations where every time you call to speak to someone you speak to a different person each time that may or may not know something about your case.  At Jim Hall & Associates, LLC your case is assigned to a particular paralegal and attorney and will remain with those individuals from beginning to end.  This allows you, the client, to gain confidence that your legal rights or being protected by someone who knows you and knows your case.

Additionally, it is likely that if you should have another case with Jim Hall & Associates, LLC at a later date that same attorney/paralegal will be handling your claim.  Continuity in service to our client is very important to us and we strive to achieve that in each and every case.

FOR A FREE CONSULTATION “CALL HALL” 504-832-3000 OR 1-800-299-5059.