Although you may have a clear understanding of how another driver caused you to suffer injuries in a car accident, there may be substantial hurdles to overcome before you can obtain compensation from the other driver. One of the biggest impediments that you may face is your insurance company or the at-fault driver’s insurance company. An experienced Louisiana car accident lawyer can mean the difference between a long, drawn-out ordeal with the insurers or an efficient and timely resolution of your claim. There are ways to use the legal system to ensure that you receive the full amount of compensation that you deserve, as a recent appellate opinion illustrates.
In the case, a woman and her son were driving along a major road in Baton Rouge in June 2015 when the vehicle in which they were riding was struck from behind at a stoplight. The driver brought a legal action against the individual driving the vehicle that struck her car, and her son joined in the action. The woman and the son also sued the defendant’s auto insurance company.
In response to the lawsuit, the insurer argued that it was not liable for the injuries that the mother and son sustained, noting that the policy it provided to its insured was financed through another company. The insurer then pointed out that the defendant had failed to stay current with his insurance premiums and that the insurer terminated the policy one week before the collision occurred.