Options When The Other Driver Wasn't Adequately Insured

Although liability auto insurance is required under Louisiana law, far too many people choose not to buy this kind of coverage, taking the chance and hoping that they will not get into a car accident. Even when insured, the state minimum coverage is often not enough to pay all the costs. Fortunately, you can carry uninsured/underinsured coverage through your own policy that will protect you in either of these situations.

At The Law Offices of Ossie Brown, we are available to discuss insurance concerns before an accident ever occurs. This is part of our motto — your law firm for a lifetime — as we care about our clients and want to ensure you are adequately protected. We can review your auto insurance policy to make sure that you are carrying uninsured/underinsured motorist coverage, as well as other kinds of insurance that fit your unique needs.

What Is Uninsured/Underinsured Motorist Coverage?

Uninsured/underinsured motorist coverage replaces or supplements the insurance of the negligent driver who caused your car accident. Your insurance company cannot increase your rates if you make a claim for underinsured/uninsured coverage.

Keep in mind — your insurance agent does not have to tell you it is available as an option. Your agent does, however, have to make it available when you ask for it. Under Louisiana law, this type of coverage can be added to your policy at a relatively low additional cost.

Insurance Policy Review After An Accident

Following an accident, our experienced personal injury attorneys will examine your auto insurance policy to determine coverage available. Then we will ensure you receive all that you are entitled to from your insurance company according to your contract.

Personal injury claims involving uninsured and underinsured motorists can be complex and challenging, but our firm's attorneys have experience handling these types of cases.

We offer free initial case evaluations and you only pay attorney fees if we obtain compensation on your behalf. To schedule a first meeting with one of our skilled Baton Rouge attorneys, please call 225-424-7388 or send us a message with a short description of your concerns.