Home of Lawyer Don
Call Today for a Free Consultation
MENU

insurance coverage issues

Rejecting Uninsured/Underinsured Motorist Coverage (UM) in Louisiana

A Louisiana insured’s auto liability insurance policy will include UM coverage at the same limits as the bodily injury liability coverage in the policy, unless the insured properly completes and signs a form prescribed by the Commissioner of Insurance rejecting, selecting lower limits, or selecting economic-only coverage.  La. R.S. 22:1295.  Thus, a person buying an […]

Rejecting Uninsured/Underinsured Motorist Coverage (UM) in Louisiana Read More »

Car Insurance Policy Form

Be Careful of the Regular Use Exclusion in Louisiana Uninsured/Underinsured Motorist (UM) Claims

Uninsured/underinsured insurance (UM) follows the insured not the insured’s vehicle in Louisiana.  This means that if you purchased UM on your vehicle’s automobile insurance policy, your UM will cover you even when you are injured outside of the vehicle that you insured. For example, if you are injured in a Metairie car accident while riding

Be Careful of the Regular Use Exclusion in Louisiana Uninsured/Underinsured Motorist (UM) Claims Read More »

National Business Institute logo

Lawyer Don’s Next Speaking Engagement is November 16 and 17, 2017 for the National Business Institute’s “Auto Injury Litigation: The Ultimate Guide” Seminar

Lawyer Donald D’Aunoy Jr. will speak at the National Business Institute’s Auto Injury Litigation: The Ultimate Guide seminar, which will be held on November 16 and 17, 2017 at the Pan American Conference and Media Center, 601 Poydras Street, 11th Floor, New Orleans, LA 70170.  Click here to register. Mr. D’Aunoy will teach two courses. 

Lawyer Don’s Next Speaking Engagement is November 16 and 17, 2017 for the National Business Institute’s “Auto Injury Litigation: The Ultimate Guide” Seminar Read More »

UM Insurance Policy

Unconditional Tenders and Uninsured/Underinsured Motorist (UM) Coverage

If you are injured in a car accident caused by an uninsured or underinsured driver, you will likely be entitled to uninsured/underinsured motorist coverage (UM) if you purchased it. Your UM insurer owes you a duty of good faith and fair dealing.  Jones v. Johnson, 45,847 (La. App. 2 Cir. 12/15/2010), 56 So. 3d 1016, 121.

Unconditional Tenders and Uninsured/Underinsured Motorist (UM) Coverage Read More »

Illustration of Obtain Insurance Documents after an Automobile Accident

The Importance of Obtaining Insurance Information After An Automobile Accident

I have posted previous articles about the post-crash investigation an accident victim should do. My tips included obtaining insurance information from all involved drivers. I cannot stress enough how important it is to obtain the other driver’s insurance information. This is also the case for pedestrian accidents: If you were hit as pedestrian or bicyclist

The Importance of Obtaining Insurance Information After An Automobile Accident Read More »

street sign one way directing traffic

Making A Claim Against Your Employer’s Automobile Insurance Company for UM: Yes You Can!

Typically when you are hurt on the job, your only recourse against your employer is under the Louisiana Workers’ Compensation Act. See La. R.S. 23:1031. You cannot typically sue your employer for tort damages like pain and suffering when you are hurt on the job. See La. R.S. 23:1032. Your only remedy against your employer

Making A Claim Against Your Employer’s Automobile Insurance Company for UM: Yes You Can! Read More »

Man hurt in accident and first aid helping

How to Start a UM Claim after a Louisiana Car Accident

To repair damages after automobile accidents, insurance claims should be started. If the other driver was at fault, a claim against that driver’s insurance carrier can be started for property damage and personal injuries. However, you may want to start a claim against your own insurance company for UM benefits. I have written a separate

How to Start a UM Claim after a Louisiana Car Accident Read More »

Metairie car accident near stop sign

How to Start a Liability Insurance Claim for a Louisiana Car Accident

To repair damages after automobile accidents, insurance claims must be started. If the other driver was at fault, a claim against that driver’s insurance carrier can be started for property damage and personal injuries. I have written a separate article for starting claims against uninsured motorist insurance when UM is available. A driver can make

How to Start a Liability Insurance Claim for a Louisiana Car Accident Read More »

Man hurt in accident and first aid helping

How to Determine if a Louisiana Insurance Policy Has UM Coverage

When you are in an automobile collision with an uninsured or underinsured driver, you may be able to make a claim for UM. All Louisiana automobile policies come with UM coverage equal to the policy’s BI liability limits, unless UM is properly rejected in writing. Thus, if you do not remember signing and initialing a

How to Determine if a Louisiana Insurance Policy Has UM Coverage Read More »