Underinsured Motor Accidents

Most state laws only require drivers to carry a minimum of automobile liability insurance. In Louisiana, for example, motorists are required to carry a minimum of $15,000 in liability coverage, $30,000 for bodily injury and $25,000 for property damage. All too often, the damage caused in an accident surpasses these minimum levels. If you suffered a serious injury in a car accident caused by an underinsured driver, you may have other avenues to obtain compensation with the assistance of a Lafayette car accident lawyer.

At Broussard, David & Moroux, our lawyers have years of experience handling underinsured motorist accident claims. Our lawyers understand that the expenses related to treating an injury and repairing a damaged vehicle can be costly and far beyond minimum insurance limits. After an accident with an underinsured motorist, you should contact a knowledgeable car accident lawyer in the Lafayette area who can assess your legal claims and help you recover the compensation you need to move on with your life.

Many people are unaware that their own insurance policies provide underinsured motorist coverage. These policies are known as UM or UIM policies. If the negligent driver’s insurance does not provide enough coverage, our lawyers will search for other options. We can analyze the language of your insurance policy and determine whether your policy provides underinsured motorist coverage.

If you do hold an underinsured motorist policy and your insurance provider refuses to pay out your claim, aggressive legal action with the assistance of a Lafayette car accident attorney may be required to obtain the compensation you deserve under your policy. An insurance policy is a contract between you and your insurer. This policy creates certain rights and obligations on the part of the insurer and the insured. Insurance companies are legally required to pay for legitimate claims submitted by policyholders. Our lawyers are committed to holding insurance companies accountable when they intentionally skirt their obligations under the law.

For questions about your insurance policy or your rights against an underinsured motorist, contact Broussard, David & Moroux at 888-337-2323 (toll-free) or 337-233-2323 (local) for a complimentary consultation with a car accident attorney in the Lafayette area.