There are several topics that have to be discussed when a client calls or comes into Dudley Debosier after a car accident. The attorney has to know how the accident happened to determine who was at fault. He will need to know what your injuries are and will assist you in getting the medical treatment you need. Finally, and just as important as the first two, he will need to know the insurance companies involved and the types of coverage available.
Your policy may provide Medical Payments coverage or Uninsured Motorist coverage. When asked if they have these, many are uncertain and the response is “I have full coverage.” They don’t realize, because many insurance agents don’t take the time to explain, that “full coverage” does not mean they have everything – only the required coverages that protect others such as liability and comprehensive and collision coverage.
What really protects you? Start with Medical Payments coverage. You have to ask for it. With Medical Payments coverage you can have your medical bills paid for any injury that relates to the use of your car. It can be an injury from a wreck but it does not have to be. For instance, if you are moving and loading a couch into the back of your pick-up and pull the muscles in your back, or worse, it will pay the medical bills because you were using the vehicle when you were injured. You can usually buy either $1000.00 or $5000.00 in coverage and the cost is minimal.
Your second protection is Uninsured Motorist coverage. In Louisiana you have to sign a waiver or you will have the coverage so the agent should explain it to you. Uninsured Motorist coverage pays you when the person causing the accident either has no insurance or does not have enough insurance. Since most people in Louisiana carry the minimum of $15,000.00, this can be a life saver when you have any serious injury. Buy it - it protects you and everyone in your car.
I Have Full Coverage - But There Is More is a post from: Personal Injury Lawyers News