Insurance claims may be helpful after an accident in Baton Rouge but injury lawsuits can also be necessary
Baton Rouge, LA – During the immediate aftermath of an automobile accident, all the drivers involved should contact their insurance providers and alert local law enforcement if there is any property damage or injuries. This will start the insurance claim process and the provider will decide if any of the costs or damage associated with the collision is covered under the specifics of the driver’s policy. However, drivers should be aware that maximum coverage amounts for standard policies in Louisiana and other states tend to be limited to the $10,000 to $20,000 range per accident. This means that any kind of severe or long term injuries will require some kind of additional funding. The necessary compensation to pay for medical treatment can usually be obtained through an injury lawsuit.
Insurance coverage amounts in Louisiana
A stand insurance policy with minimum coverage in Louisiana will pay out up to $10,000 per person for bodily injury claims, $30,000 total for all individuals involved in the accident, and up to $25,000 worth of property damage. While it is possible for drivers to increase these coverage amounts with larger policy premiums, many will choose not to do so because of a higher car insurance bill.
Costs associated with serious accidents
When someone is severely injured and requires long term or permanent medical care due to a car collision, they can sue the person or business responsible for their injuries. When someone can no longer work and earn income or function normally, it is common for settlements and verdicts related to these severe injuries to cost millions of dollars. If those large amounts are contrasted with the much smaller amounts listed in the policy coverage requirements, it is easy to see why an injury lawsuit may be the only realistic remedy for some accident victims.
A lawyer who focuses on personal injury cases can argue for both economic and non-economic damages to cover these serious costs tied to medical treatment and lost wages. The economic costs can be gathered based on bills for treatment and hospitalization, pay statements, and future earning potential. The non-economic losses are essentially dictated by argument from the client’s lawyer. This includes their emotional condition, physical pain, and various other forms of trauma tied to the collision and their injuries. A meeting with an attorney is the best way to get specific values for these kinds of damages based on the victim’s condition.
Personal injury attorneys in Baton Rouge
Miller, Hampton, and Hilgendorf is a firm in Baton Rouge that uses their experience to provide advice to local accident victims in the area. Anyone who is considering a lawsuit can contact the firm to schedule an initial meeting and discuss their situation.
Firm contact info:
Miller, Hampton, and Hilgendorf
3960 Government St., Baton Rouge, LA 70806
225-343-2205
www.mlhlaw.com
