Because Louisiana is a fault state in regard to auto wrecks, motorists must purchase a certain amount of liability insurance before they can register a vehicle. This coverage, which compensates accident victims for property damage and bodily injury, applies when the policyholder causes a collision.
That means if you sustain injuries in a crash that was not your fault, you would file a claim with the liable party’s car insurance provider to recover compensation for the damages you incurred. Unfortunately, even in cases where fault is obvious and the policyholder has adequate coverage, third-party claimants can struggle to obtain the money they deserve.
Insurance adjusters are skilled negotiators, and they can be incredibly demanding when it comes to the burden of proof. They also know how to use an accident victim’s statements against him or her and are always waiting for claimants to say something that will jeopardize their case.
Fortunately, you do not have to go up against the insurance adjuster alone. If you were hurt in a wreck that was not your fault, a strategic injury lawyer can protect your best interests during every stage of the proceedings.
To discuss your case with a car accident attorney in Monroe and determine if you have grounds for a claim, turn to Campbell, House, & Cummins. Wade L. House is a seasoned personal injury lawyer who is proud to help accident victims secure the compensation they deserve. Call 318-855-0285 to schedule a consultation.
Read on to learn three statements you should never make when discussing a collision with a car insurance adjuster:
- “The crash might not have happened if I had/hadn’t…”
Admitting fault in any capacity could hurt your claim in a major way. Investigators may ask open-ended questions in an attempt to learn details about the wreck that are not necessarily obvious, but it is never wise to volunteer any information regarding your own liability, even if you think you were partially responsible. Let the professionals determine fault based on tangible evidence they obtain from the scene.
- “The injuries I sustained are…”
At some point in the proceedings, the claimant will need to confirm the extent of any injuries, but that is a job for his or her treating physician and any relevant medical experts. Do not discuss injuries with the insurance adjuster, especially before having reached maximum medical improvement.
- “I think the damages will amount to…”
Accident victims can recover compensation for all kinds of costs associated with treating their injuries, including both economic and non-economic damages. Since calculating the precise amounts can be challenging, though, you should leave it up to a seasoned lawyer. In addition to medical bills and lost income, your attorney will account for damages like emotion distress and loss of earning capacity.
If you sustained injuries in a collision with a drunk, distracted, or reckless driver, contact Campbell, House, & Cummins today to determine if you may be entitled to compensation for any associated damages. Call 318-855-0285 to schedule a consultation with a car accident lawyer in Monroe. You can learn more about auto wreck claims in Louisiana by visiting the USAttorneys website.