In Louisiana, drivers are likely to become involved in an accident due to the failures of others. Drivers who do not follow traffic laws cause accidents most often. A local attorney could provide legal assistance for auto accident victims.
Obtain Adequate Auto Insurance Coverage
Louisiana state laws require all drivers to maintain at least auto liability coverage. The values required for drivers in the state are a minimum of $15,000 for single-victim accidents and a maximum of $30,000 for any multi-victim accidents. The property damage coverage must be at least $25,000. However, if the Mercedes is financed by an auto loan, the owner needs comprehensive and collision coverage to protect the investment more fully.
What to Do After An Accident
The first step is to contact law enforcement by calling 911. Law enforcement officers arrive on the scene and determine what happened and which driver is at fault. The officers also generate an accident report that is sent to the insurer of all parties involved. By reporting the accident, all victims involved in the accident gain proof of the accident and the at-fault driver’s liability.
Filing an Insurance Claim
All victims who are injured in the car accident must file an insurance claim through the at-fault driver’s insurance carrier. The claim enables them to access funds that provide coverage for medical requirements and auto damage. If the at-fault driver doesn’t have insurance, the victims may need to start a legal claim.
What to Expect During a Legal Claim
The legal claim includes invoices for medical requirements and estimates for repairing the automobile. If the insurer refuses to provide funds, the claim could include the insurer as a defendant. The total value of the victim’s losses determines in which court the case is heard. Minimal claims are managed in small claims court.
In Louisiana, drivers must comply with auto insurance requirements to lower the chances of a lawsuit and other financial losses. Auto accidents present a higher than average risk of financial losses and serious injuries for victims. Victims of auto accidents who need assistance are encouraged to read more details in Steering Clear Of Danger: How To Avoid Trouble Behind The Wheel Of Your Mercedes today.