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New Orleans Personal Injury Lawyer > Blog > Personal Injury > The Importance of Having UM (Uninsured Motorists) Coverage

The Importance of Having UM (Uninsured Motorists) Coverage


The risk of being involved in a car accident is a reality for every driver, whether they invested in auto insurance or not. Because of this, Uninsured Motorist (UM) insurance can be a crucial safety net for individuals. Then, if they incur high accident-related expenses as a result of a reckless driver who was not insured, they can turn to their own policy for financial relief.

A New Orleans personal injury lawyer can share with you the benefits of having UM insurance and give you advice on how much coverage you need and when you should make the purchase. And if you were already involved in an accident with an uninsured driver, an attorney can provide you legal guidance throughout the recovery process, helping you understand your rights and ensuring that your interests are protected.

UM Insurance and New Orleans Car Accidents

Uninsured Motorist (UM) insurance is a policy that provides coverage for bodily injury or property damage caused by a driver who doesn’t have insurance. In Louisiana, UM insurance is not mandatory, but it is highly recommended due to the substantial number of uninsured and underinsured drivers on the road.

In the event of a car accident where the at-fault party is uninsured, UM coverage steps in to compensate the injured party for damages that would typically be covered by the at-fault driver’s insurance.

Also, whatever type of coverage you have, know that dealing with a car accident involving an uninsured motorist can be complicated when it comes to damage recovery. Here’s how a Louisiana injury attorney can help:

  • Insurance policy review. A legal professional can thoroughly review your policy to determine the extent of your UM coverage and any additional benefits that may apply.
  • Loss assessment. Experienced attorneys can assess the full extent of your damages, including medical expenses, property damage, lost wages, and pain and suffering. This ensures that all applicable damages are considered in your claim.
  • Negotiation with insurance representatives. Legal experts can handle negotiations with insurance companies on your behalf, working to secure a fair settlement.

Don’t leave your financial well-being to chance. Invest in UM insurance, and in the unfortunate event of a car accident, seek the expertise of a legal professional who can advocate for your rights and work towards securing the compensation you deserve.

Select the Right Coverage from the Start

Your safety and financial security are paramount, and for many a comprehensive insurance policy that includes UM insurance, coupled with legal assistance from a New Orleans personal injury lawyer, will put you in a strong recovery position post-accident.

Did a car accident with an uninsured driver upend your financial life? With the assistance of knowledgeable injury attorneys at Palazzo Law Firm, you can navigate the complexities of insurance negotiations and pursue a fair and just settlement. This is true whether your accident expenses are the direct result of an uninsured driver in New Orleans, Metairie, or Gretna. There are professionals who will fight for your rights, call 504-433-1442 for a fee-free, confidential consultation.

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