If you have been injured in a car accident, you probably have many questions regarding whether you are entitled to receive policy benefits from any insurance companies that insure the parties to the crash. Insurance policies are complex and difficult to understand. Many personal injury cases involve lengthy disputes about how coverage should be applied and whether or not injured parties are entitled to coverage. As seasoned Louisiana car accident lawyers, we know how to navigate complex insurance issues on behalf of our clients. A recent appellate opinion provides an example of how insurance disputes can arise in car accident cases.
On the day of the accident, the plaintiff and her daughter were walking home from church along a road that did not have a sidewalk or a paved shoulder. The plaintiff and her daughter were instead traversing an area that was grass and gravel. The shoulder was sloped downward from the road toward a culvert. The defendant was driving along this same road at the time of the crash when the front right side of his vehicle struck the plaintiff and threw her into the ditch. The plaintiff was unresponsive. Emergency personnel arrived at the scene, and the plaintiff regained consciousness. Then, she was sent to the hospital, where she stayed for at least one night.
The plaintiff and her husband filed a personal injury lawsuit on behalf of themselves and their daughter against the defendant, the owner of the vehicle that he was driving, and a number of insurance companies that provided various policies to each party. This included the two of the plaintiffs’ own insurers that provided them with an underinsured motorist or UM policy.