How Does Car Insurance Work?

When you’re hurt in a New Orleans car accident, you need funds for your recovery. But you may be unsure what your car insurance will cover and how the process works. 

So what can you expect in the wake of a car accident? Your car accident lawyer at Manard Law, LLC can help you navigate each step of the process. Before you speak with your insurance company, here’s what you need to know about how car insurance works. 

Louisiana Is a Fault State

Whether it’s an 18-wheeler accident involving fatalities or a collision caused by a reckless cyclist, your first concern may be about who’s going to pay for all the damage. Because Louisiana is a fault state, that answer may be complex. 

Fault laws state that the person liable for the car accident is also financially liable for your injuries and losses. Because of this, you need to identify the at-fault party in these cases or the insurance company might not pay for your recovery.

Insurance Claim Process for New Orleans Car Accident Victims 

When you’re hurt in a car accident, your first step is to report your accident to the insurance company. While you may file a third-party claim with the other insurance company, your insurer will still need a report of the accident for their records. 

But be careful what you say to the insurance companies. Anything you say may be recorded and used against you. To get the maximum settlement you’re due, consult a lawyer to learn what to say, how, and when to the insurers. The insurance company simply needs to know you were in an accident, not who may have been at fault or what you may have done, which can hurt your claim

Insurance Companies May Not Be On Your Side

The problem is, insurance companies aren’t always on your side. They’re for-profit businesses, and they prioritize their profits over your recovery. 

Because of this, they may have lowballed your settlement offer or even denied you coverage without cause. When that happens, it could mean they’ve acted in bad faith

Luckily, you don’t have to accept a settlement offer, especially not one made in bad faith. Your lawyer can hold the liable party accountable for a settlement that reflects the caliber of your loss and the hardship caused by the accident. If they continue to refuse a fair settlement, your lawyer can help you take your claim to court. 

Connect with a Car Accident Lawyer in New Orleans 

When you’re hurt in a car accident, you may expect your insurance company to step in and make your recovery easier. When they fail to do so, you may need help from the lawyers at Manard Law, LLC. 

Your New Orleans car accident attorney can help from start to finish by collecting evidence, quantifying the value of your losses, negotiating a settlement with the insurance company, and even taking your claim to court when necessary. Start with a free consultation about your claim and your recovery when you call 504-585-7777 or when you fill out the online contact form below.