Five Car Insurance Do’s and Dont’s After a Louisiana Car Accident

October 10, 2018 | J. Price McNamara
Five Car Insurance Do’s and Dont’s After a Louisiana Car Accident

When dealing with your car insurance provider after a Louisiana car accident, there are some Do’s and Dont's for recovering damages, and to prevent you from making critical mistakes that will impede your claim.

Five Car Insurance Do’s

  • Do contact your insurance provider immediately after a Louisiana car accident. Do this as soon as possible, even while you are still at the accident scene if possible.
  • Do fully understand your insurance coverage before speaking with your provider. You can refresh your memory by reading the Coverage and Exclusion sections of your policy, but if anything seems unclear DO ask your provider to clarify any areas of confusion.
  • Do be honest with your insurer, and give them all the facts. Failing to be honest may invalidate your policy, or result in a denial of your claim.
  • Do take photographs of the accident scene (if possible), the damages to your vehicle, and any injuries that you have suffered. These can be used as evidence to support your Louisiana personal injury claim.
  • Do keep the names of insurance agents, and take notes related to any conversations that you’ve had with your provider. This information can be relevant in a legal dispute and during an appeal of your claim.

Five Car Insurance Dont’s

  • Don’t allow your insurance provider to take any written statements, or record any testimony unless you fully understand your coverage. If you have any questions that seem important, you can get the help of a Louisiana personal injury attorney.
  • Don’t immediately accept your insurer’s estimate of damages, which may be less than you deserve. If it seems low or unreasonable, an attorney can help you estimate the value of your claim.
  • Don’t sign any waivers until you speak with a Louisiana personal injury attorney. There may be legal aspects that you are unaware of, or damages that you did not consider, and waiving your rights may eliminate your ability to seek the full compensation you need.
  • Don’t let your insurer talk their way out of their legal obligations. They are under contract to provide you with the services they promised in your contract. Insist that they give you what you’ve paid for.
  • Don’t accept a check labeled as “Final Payment”, unless you are prepared to do so and have spoken to your attorney first.

Contacting a Louisiana Personal Injury Attorney

After a serious accident, while you are dealing with injuries, medical bills, car repairs, and insurance companies, it’s important to have someone working on your side. Speaking with an experienced Louisiana personal injury attorney after an accident can help you understand your legal rights and options, and if necessary, help you file a personal injury lawsuit to help you recover compensation for your losses. Louisiana personal injury attorney who can explain your legal rights and help you file a personal injury claim. Contact a Baton Rouge personal injury lawyer today at J. Price McNamara ERISA Insurance Claim Attorney - 866-248-0580.
J. Price McNamara Author Image

J. Price McNamara


Losing my own brother, then my father and sister after long, disabling illnesses just a few months apart drove a career change for me. Before that experience, I never truly understood the place you’re in. I never understood the dramatic impact that receiving (or not receiving) the disability and life insurance benefits you paid for and counted on can have on your life especially when you need to focus on family and healing. What I experienced with my own family now drives the way I view my clients and my work, and I will never forget it!

Author's Bio