Legal Question in Insurance Law in Louisiana

Car Accident

We were in a car accident and my daughter was hurt pretty bad. She was in the hospital for 5 weeks. The person who hit us only had 10/20 liability and full coverage. Does this mean that we will receive no compensation for pain and suffering?


Asked on 5/14/09, 11:48 pm

2 Answers from Attorneys
Andrew Casanave Andrew M. Casanave

Re: Car Accident

Unless this person has significant other assets or you had uninsured motorist coverage the answer is yes.

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Answered on 5/15/09, 7:40 am
Nick Pizzolatto, Jr. Pizzolatto Law Office

Re: Car Accident

It means the most 1 person will receive from the insurance company is $10,000 and the total if 2 or more persons were injured is $20,000. Hopefully your daughter has some Un/Underinsured Motorist (UM) coverage on her &/or your vehicle. If you were in another person's vehicle, then you may be able to collect from their UM and the UM on your vehicle(s). Otherwise you will have to go after the other driver or his company if he was in the course and scope of his employment when the accident happened.

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Answered on 5/15/09, 8:11 am


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