Auto accidents occur every day. In fact, statistics state that motorists will likely be in at least four accidents in their lifetime.

Without the proper coverage, an accident can take a hefty toll on those involved. However, with the right auto policy in place, drivers can properly protect themselves in the case of an auto accident

Requirements

While all motorist must have insurance to legally operate a vehicle, each state regulates certain requirements for drivers. Louisiana has certain auto insurance requirements, including minimum insurance levels. This includes a minimum coverage level of $25,000 for property damage, $15,000 for the death or injury to one person and $30,000 for the death or injury of several people.

Uninsured motorist coverage

Uninsured motorist coverage is optional coverage that can prove beneficial for motorists in accidents with drivers who do not have insurance or who have limited insurance. In the case of a hit-and-run accident, insured parties may apply their uninsured motorist coverage. This coverage provides insurance for property and medical expenses. However, it is important to note that motorists must have the insurance in place before an incident to utilize it.

Claim process

Parties who sustain serious injury during a motor vehicle accident may benefit from consulting with an attorney to learn about all the options available, so they can make an informed decision. Whether pursuing a claim through an insurer or the courts, having proper medical and financial records is key. It is also important to understand and follow the filing protocol. Improper paperwork can prove detrimental to an otherwise viable claim.

Receiving proper compensation after an auto accident can provide the financial and emotional relief that parties need. Understanding the purpose and viability of the possible insurance choices can aid parties in making the best decision for their situations.