The citizens of St. John Parish need to know many aspects of their auto insurance policy before they get on the road. One important thing is you must have liability insurance. Liability insurance in Louisiana is compulsory, and unfortunately, the minimum requirement has a very high premium that only will cover bodily injury for up to $15,000 if you are at fault. For a little bit more over premium, you can buy additional coverage and rest assured that you have protection from lawsuits. There are many lawyers out there who will file suits and build up claims that aren't accurate. Therefore, you need to protect yourself. However, there is another aspect of car insurance that many people miss.
The missing part, which must be considered all the time, is to have uninsured motorist coverage. Uninsured motorist coverage will cover you in case the person who hits you does not have insurance, or has less insurance than the amount of your bodily injury damage. One good thing about uninsured motorist coverage is that it will not affect your premium if you have to use it. You have to be free from fault to use uninsured motorist coverage, and you must exhaust all insurance available at the time of the accident.
Also, on an auto policy, you may want to consider getting Med Pay coverage to cover portions of your medical bill. Many times if you use your insurance, you'll have a deductible, or a lien may be filed against you. So if you settle your claim, the insurance company must pay medical providers first. The medical community has gotten very sophisticated and will make phone calls and do investigations, to send letters to your insurance company to put a lien on your case. So if you get any money, the first amount of that money goes to paying medical bills.
The system has many, many nuances that need to be considered, and that's why having a good attorney who can maximize value in your case, and get you the proper coverages that are due, to you. The Schwartz Law Firm has been doing this for many, many years and knows how to handle healthcare liens, maximizing coverages, and getting you the benefits that you are entitled to. Also, as one last factor that must be considered, is whether or not suit needs to be filed. If you have an uninsured motorist case, you have up to two years to make a claim, but only one year for a claim against the party at fault. Therefore, things can become a little tricky and complicated. Please call Schwartz Law Firm today with any questions.