When it comes to being involved in an auto accident, recuperating from your injuries is only one of the many challenges that you may have to overcome. Even when fault is clearly established, it can take months or even years to obtain the compensation that you need and deserve from a careless driver and his or her insurance company. Although insurers are meant to provide coverage and protection, they often engage in delay, gamesmanship, and outright evasion when it comes time to pay a claim for damages. Retaining a seasoned Louisiana car accident lawyer from the beginning can help you recover the damages that you deserve in a timely and efficient fashion.
In a recent lawsuit, a husband and wife were driving when they were involved in a collision with another vehicle that was attempting to change lanes at the time the crash occurred. The wife suffered serious injuries to her neck, hip, and back that required substantial medical treatment, including orthopedic surgery. The doctor concluded that the woman incurred a labral tear in her hip.
The husband and wife eventually entered into a settlement agreement with the at-fault driver’s insurance company, which agreed to pay the policy limit of $25,000. Since the woman had sustained damages that far exceeded this amount, she filed a personal injury claim with her auto insurance company, claiming benefits based on her underinsured motorist (UM) coverage policy. This policy had a limit of $30,000, but her insurance company did not agree to pay the benefits.