You were just involved in a car accident and the police officer who arrived at the scene didn’t issue a ticket to either driver. Aside from that, they also didn’t assign fault in the wreck. So, what happens now? Will your insurer assume you played a role in causing the accident? Will both you and the other motorist be held partially responsible for causing the accident? If this is the situation you are currently dealing with and are now seeking answers to the questions we have presented above, then read on as will explain what you can expect to happen and the options you have.
When a police officer doesn’t write a ticket, which could be an indicator as to who caused the accident, and fails to assign blame to one or both parties, then you aren’t exactly permitted to file an insurance claim through the other driver’s insurance company. You see, the state of Louisiana follows at-fault insurance laws which means the party who is liable for causing a crash is responsible for covering the damages. Now, because most drivers are carrying insurance as it is a state requirement, their insurer would be the one to pay for the vehicle repairs and possibly even the injuries the victim sustained in the wreck.
However, given the circumstances of your situation, no fault was assigned which means the other driver’s insurer isn’t going to pay your claim. Now, if you are sure that the other motorist was, in fact, at fault for causing the accident, here’s what you can do.
- You can go down to the Shreveport Police Department and discuss your issue with an officer. Police officers are humans too which means they do make mistakes. While some mistakes are easy to look past, this one isn’t seeing that your vehicle now needs repairs and you are looking at having to pay a deductible for an accident you didn’t even cause.
- Contact your insurance company to see what sort of advice they have to offer. While it may be too soon to submit your claim to your insurer, an agent may be able to help you make an informed decision on how you should proceed forward.
- Contact the Shreveport, LA car wreck lawyers at Campbell, House & Cummins. If the officer or police department isn’t willing to help you and your insurer couldn’t provide you with any helpful advice, the next best thing to do is to contact our office and speak with an experienced car accident lawyer. Our attorneys understand how frustrating it can be to have to pay for vehicle repairs knowing it wasn’t your fault. And with the holidays approaching, it is understandable that you may not even have enough money lying around to cover that hefty deductible of yours. So, before you decide to give up, at least give us a call to see if there is any way we can remedy the situation.
In the event you later began feeling some discomfort and discovered that you suffered a minor injury as a result of the crash, then you will want to contact us immediately.
Having to deal with the aftermath of a car wreck can be stressful, overwhelming, and too much for one person to handle. It can be especially difficult if the officer who arrived at the accident scene didn’t take a statement and never assigned fault. Therefore, rather than have to deal with the issue on your own, why not contact Campbell, House & Cummins to learn more about how we can help you and what steps you can take so that your vehicle repairs are taken care of and your medical expenses are covered.
You can reach Campbell, House & Cummins, Attorneys at Law at:
333 Texas Street, Ste 1300
Shreveport, LA 71101
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