Who Pays if I'm Injured or My Car is Damaged? |
That will depend on who is at fault, whether you and the other driver have insurance and what kind of insurance you have.
There are two types of automobile insurance: liability and collision.
- Auto Liability Insurance. If you are at fault for the car accident, your liability insurance will pay the other driver for property damage and personal injuries up to your policy's limits.
If you are not at fault, then the other driver's liability insurance should pay for your car damage and/or personal injuries up to the policy limits of the other driver's policy.
If you loan your car to someone who has an accident, your insurance may also help pay for the damages.
- Auto Collision Insurance. No matter who is at fault, your auto collision insurance pays for damages to your car (not your medical expenses), minus the policy deductible.
- Other Insurance. Health insurance, for example, may pay your medical bills resulting from the accident. Some automobile insurance policies may include medical payments coverage. If so, it can pay the cost of necessary medical treatment for you and your passenger up to the medical payment policy limits.
You should take the time to review your coverage with your insurance agent to ensure that you are well protected and that you understand your coverage.
If you are injured because of someone else's negligence, please contact our law firm immediately to protect your rights and ensure that your claims are filed timely and correctly.
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Our Car Accident practice encompasses the State of Louisiana, including West Baton Rouge Parish, East Baton Rouge Parish, St. Bernard Parish, Orleans Parish, Caddo Parish, Lafayette Parish, Calcasieu Parish, Rapides Parish, the Louisiana Gulf Coast, Houma, New Orleans, Hammond, Metaire, Lafayette, Lake Charles, Shreveport, Monroe, Alexandria, Slidell, New Iberia, Chalmette, Tallulah, Bogalusa, Covington, Franklin, Abbeville, Morgan City, Minden, Winnsboro, Gonzales and all Louisiana cities in between. Louisiana Car Accident Lawyer
Contact us to discuss initial consultation.
Koederitz & Wilkins, LLC
8702 Jefferson Highway, Suite A
Baton Rouge, LA 70809
Telephone: (225) 928-9111
Telecopier: (225) 926-7117
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