Articles Tagged with auto accident

hurricane evacuation route signGetting back on your feet after a storm can be exhausting, especially when trying to deal with your insurance company. In early September, Louisiana Insurance Commissioner, Jim Donelon, urged insurance companies to pay evacuation expenses of policyholders affected by Hurricane Ida.

A majority of homeowners policies include coverage for additional living expenses (ALE). This coverage is intended to cover costs when individuals cannot access their homes due to an evacuation order, physical barriers, or hazardous road conditions blocking entry. It generally extends up to two weeks following a disaster if you were ordered to evacuate, but it will extend for a longer period if the home is deemed uninhabitable.

fed ex delivery truckOnline shopping and the use of delivery services has become a common practice by millions of Americans. The ability to shop online is saving shoppers time, money, and the stress of dealing with crowded retail stores. The roads are filled with delivery trucks like UPS, FedEx, DHL and Amazon Prime. With this becoming the new norm, the number of commercial delivery trucks on the road has significantly increased.

Naturally, the more delivery trucks on the road, the higher the chance of one of them being involved an accident. Some of the leading causes of delivery truck accidents include:

LA Supreme CourtLast year, Louisiana legislators pushed for one of the State’s biggest tort reform packages since the 1990s in hopes of lowering automobile insurance rates and encouraging out of court settlements. The Civil Justice Reform Act of 2020 (CJRA) was signed into law on July 13, 2020 and became effective on January 1, 2021. These changes are not retroactive and will only apply to any cause of action arising on or after January 1, 2021. The most significant changes include:

Amount in Controversy for Jury Trials. For many decades, jury trials were only available in cases where the amount in controversy exceeded $50,000. In the district court, the threshold has been reduced to $10,000, exclusive of interest and costs. The party seeking a trial by jury is required to post a $5,000 jury bond within 60 days of filing a jury demand. If a party files a jury demand but fails to timely post the bond, then right to a jury is waived. Although the CJRA did not change the jurisdictional limits of city or parish courts, it allows a defendant to seek a transfer to the district court to obtain the right to a trial by jury when the amount in controversy is more than $10,000 and the transfer is made timely.

new orleans potholeLouisiana road conditions are ranked among some of the worst in the United States. This is especially true in New Orleans, where potholes are nearly unavoidable. A ride through the city can be very bumpy, and it may ultimately put a dent in your wallet.

Flat tires, rim damage, punctured exhaust pipes, broken axles, alignment problems and other damage to the body of the vehicle are just a few ways in which hitting a pothole can damage your automobile. A study done by the American Automobile Association revealed that potholes cost American drivers roughly $3 billion in vehicle repairs annually.

mri scanBetween traveling to and from work, running errands, taking road trips, and shuffling the kids around, we spend more time in our vehicle than we may realize. Because of this, motor vehicle accidents are one of the most common causes of injuries in the United States.

If you are lucky, you may walk away from the accident with just some scrapes and bruises. But some symptoms may be delayed. For the first few days or weeks, you may not be in any pain at all. However, this does not mean you were not seriously injured. Once the adrenaline has worn off and time has passed, hidden injuries may become noticeable. Because delayed injuries can be dangerous, it is always important to see a physician as soon as possible after an accident.

louisiana gavelIn Louisiana, uninsured/ underinsured motorist insurance (UM/ UIM) follows the person, not the vehicle. So, if you have UM/ UIM coverage and are involved in a motor vehicle accident where the at fault driver is not insured, you will be covered even if you are not in your own vehicle, or any vehicle at all! But, there may be an exclusion in your UM/ UIM policy which could limit your insurance company’s liability.

The “regular use” exclusion contained in many policies excludes an insurance company from liability when an insured driver uses another vehicle they do not own and is not named on their policy, but which they use regularly. The term “regular use” may apply to a vehicle provided to you by your employer for regular transportation to and from work and for everyday work duties.

balance billingThere are very few individuals who can afford their healthcare entirely out of pocket. This is why a majority of people utilize health insurance which pays for most of the care. If your medical provider is an in-network provider and accepts the insurance you carry, you are guaranteed to be paying much less than if you were not covered.

But what happens when you receive a bill in the mail for services that you believed were covered by your insurance? This typically occurs when you have a motor vehicle accident and go to your family doctor using your health insurance to pay for the visit. Your health insurance company pays for most of your care, but then the doctor sends you a bill for the uncovered portion. Is that legal?

women driving carIn an instant, you or a loved one may find themselves in the unfortunate situation of being involved in an automobile accident. But, did you know that women are more likely to be injured or killed as a result of these accidents.

A new study done by the Insurance Institute for Highway Safety (IIHS) found that women are much more likely to suffer a serious injury in a car accident than men. While men are involved in more deadly crashes than women, women are 20-28 percent more likely to be killed on a per- crash basis. They are also 37-73 percent more likely to be seriously injured after speed and other considerations are factored in.

It can feel overwhelming dealing with the insurance company after an accident. But, the first step in receiving compensation after an accident is to file a claim with the insurance company, so communicating with them is inevitable.

insurance claim deniedAfter carefully reviewing your claim, the adjuster assigned to your case will then pay out your claim or deny it. If your claim is denied, there are many reasons why the insurance company did so, which may include:

injury after accidentImagine one minute you are on your way home from work or just running some errands, and the next thing you know you hear a crashing sound and feel yourself being forcefully flung around in your vehicle.

After an accident, you may be suffering from a devastating injury that can render you unable to return to work for a couple weeks, months, years, or worst of all, forever. Lost wages, loss of earning capacity and outrageous medical expenses can leave you and your family in a terrible financial situation.

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