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Metairie Uninsured and Underinsured Motorist Accident Lawyer
Uninsured and Underinsured Motorist Attorney in Metairie, LA
When the driver responsible for your accident has little or no insurance, it can leave you wondering what to do and where to go. That’s where an experienced Metairie uninsured and underinsured motorist accident lawyer can step in.
If your crash also involves serious injuries or disputed fault, an experienced Metairie personal injury lawyer can help you understand every option for financial recovery.
At Murphy Law Firm in Louisiana, we’ve seen firsthand how devastating these situations can be. If you’re looking for a trusted legal team that’s ready to provide experienced guidance and aggressive representation, we’re here to help.
About Us
Founded 30 years ago, Murphy Law Firm has a legacy of success in Louisiana. Our attorneys’ combined experience approaches 150 years, and we’ve won more than $250 million for our clients. Helping people is at the heart of everything we do, and we bring relentless advocacy and fearless representation to every case. We also use insights from cases across Louisiana and information from resources like our guide to Louisiana car accident laws to show how state rules and insurance regulations affect uninsured and underinsured motorist claims.
Understanding Uninsured and Underinsured Motorist Coverage in Metairie, LA
In 2023, the average liability payout for car accidents was $26,000, even though the average cost of damages was around $162,000. These numbers don’t add up, especially when you take into account that insurance companies had raised their premiums by 20% that same year.
Accidents involving drivers with little or no insurance can leave victims in a difficult and stressful position, both financially and emotionally. That’s why understanding uninsured and underinsured motorist coverage is so important. Essentially, this type of insurance acts as a safety net, stepping in when the at-fault driver’s coverage isn’t enough to pay for your injuries or property damage. Key points to understand include:
- Uninsured motorist coverage (UM) provides compensation when the at-fault driver has no insurance to cover injuries or damages.
- Underinsured motorist coverage (UIM) offers additional protection when the at-fault driver doesn’t have enough insurance to fully compensate you for your losses.
- Medical expenses and lost wages coverage can help pay for medical bills, rehabilitation, and income lost due to the accident.
- Property damage could also be covered in some policies.
For many drivers, it isn’t clear how these protections really work until after a crash, which is why our team often points clients to explanations like how UM/UIM coverage works in New Orleans, LA to help them understand how their own policy might respond.
At Murphy Law Firm, our experienced Metairie uninsured and underinsured motorist accident attorneys work closely with clients to evaluate any available coverage, accurately assess damages, and guide them through every step of the claims process.
Common Challenges in Uninsured and Underinsured Motorist Claims in Metairie, LA
Filing a claim against an uninsured or underinsured driver can be far more complicated than a typical accident case. Insurance companies often seek ways to limit payouts, and the process can involve navigating complex policies, collecting detailed evidence, and meeting strict deadlines. Common issues in these cases include:
- Insurance disputes. Insurers could question the extent of your injuries, challenge liability, or try to pay you less than you’re owed.
- Policy limitations. The at-fault driver’s insurance coverage could be insufficient to cover all damages, requiring careful evaluation of your own policy limits.
- Evidence collection. Gathering police reports, medical records, witness statements, and other documentation is essential but can be time-consuming and complicated.
- Delay tactics. Insurance companies could use delay tactics to pressure victims into taking a lower settlement.
- Emotional and financial stress. Victims often deal with medical bills, property damage, and lost wages, which can create significant stress while navigating the claims process.
At Murphy Law Firm, our experienced Metairie uninsured and underinsured motorist accident attorneys understand the obstacles that can come up in these claims. That’s why we work closely with our clients and advocate for the compensation they deserve.
Hire an Uninsured and Underinsured Motorist Accident Lawyer: Local Counsel Makes a Difference
At Murphy Law Firm, we know the outcome of an uninsured and underinsured motorist accident case often hinges on hiring attorneys who are familiar with the local legal landscape. We’re proud to serve the Metairie community, providing personalized, hands-on representation that draws on our deep understanding of Louisiana’s courts and procedures.
We regularly handle cases in the Jefferson Parish Courthouse, the Orleans Parish Civil District Court, and the Metairie City Court. Because of this familiarity, our team is uniquely positioned to understand the preferences of local judges, the strategies that resonate with local insurers and juries, and anticipate challenges before they’re raised, giving our clients a distinct advantage. If your crash involves a hit-and-run driver or complex multi-vehicle collision, we can also coordinate your uninsured motorist claim with related issues in your underlying case, working alongside our skilled Metairie car insurance claim lawyer team when necessary.
Meet Our Attorney
Peyton Murphy
Peyton Murphy, a Louisiana lawyer with 30+ years of experience, specializes in personal injury cases. He founded Murphy Law Firm in Baton Rouge in 1993 and fights for his clients’ compensation.
Contact Peyton
FAQs
What Types of Compensation Can I Recover in Uninsured Motorist Claims in Metairie?
The types of compensation you can recover in uninsured motorist claims can include medical expenses, lost wages, property damage, rehabilitation costs, and pain and suffering. Louisiana law allows victims to recover damages that reflect the full scope of their injuries and losses. Because of this, our team can help evaluate all potential damages and ensure all insurance claims are filed accurately.
How Long Do I Have to File an Uninsured Motorist Claim in Louisiana?
Louisiana has strict deadlines, or statutes of limitations, for filing claims related to motor vehicle accidents. Generally, personal injury claims must be filed within two years of the date of the accident. Property damage claims, on the other hand, could have different time limits. Our team can make sure all deadlines are met.
Do I Need to Go to Court for an Uninsured Motorist Claim in Metairie?
No, you don’t always need to go to court for an uninsured motorist claim. This is because many uninsured and underinsured motorist claims are resolved through negotiation with the insurance companies. However, if a fair settlement can’t be reached, litigation could become necessary. Our team can represent you in court, present evidence, and advocate for full compensation.
Can I File a Claim if I Share Fault for the Accident in Metairie?
Yes, you can file a claim if you share fault for the accident. Louisiana adheres to a comparative fault system, which means you are assigned a percentage of blame for your part in the accident. When compensation is awarded, it’s then reduced by that percentage. Our team works to determine how fault may affect your claim, negotiate with insurance companies, and minimize your share of the blame so you can maximize your compensation.
Let Us Fight for Your Rights After a Delivery Driver Accident
At Murphy Law Firm, we fight for the people behind every case. Every delivery driver accident case presents unique challenges, and we’re committed to advocating aggressively on behalf of our clients. Contact us today to schedule a free consultation.
Metairie, LA Uninsured and Underinsured Motorist Accident Resources
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