Can a Minor Car Accident Cause Injuries?
According to driving-tests.org, in 2019 there were 6,756,000 police-reported motor vehicle crashes. Almost two million of those involved serious injury that resulted in some level of permanent injury, while 33,244 crashes caused a death. There are few statistics regarding more minor car accidents—the fender-benders in the parking lot or intersection crashes at low speeds. While…
How Long After a Car Accident Can I File an Injury Claim?
In 2019, there were 6,756,000 police-reported motor vehicle crashes, however, it is estimated there could be as many as 10 million car collisions that are not reported. You might wonder why those involved in a car accident would skip filing a car accident injury claim. If there was no significant damage to the vehicles or…
What Happens After an Accident That Wasn’t My Fault?
Being involved in a not-at-fault auto accident can be a jarring experience. You may be left with injuries—perhaps even serious injuries—unable to return to work and wondering what you should do next to safeguard your future. It may feel as though you truly have nowhere to turn and are facing a mountain of medical bills…
What Is Bad Faith Insurance?
Unfortunately, insurance companies often have the upper hand when it comes to settling a claim. Big insurance companies generally have superior expertise, financial resources, and negotiating strength in comparison to an injured individual, or a person who has had their home destroyed. Because of the disparity between an individual and an insurance company, most courts…
What are Anti-Concurrent Causation Policy Provisions in Homeowners and Flood Claims
Many homeowner’s insurance policies have an anti-concurrent causation policy clause that can play a crucial role in the insurance claims process. For some, this clause has made the difference between a $150,000 payout and no settlement at all. If you live in a hurricane/flood area, it is imperative that you know whether your homeowner’s insurance…
How and When to File a Complaint with the Louisiana Department of Insurance for Homeowners and Flood Insurance Hurricane Claims
As of April 2021, the Louisiana Department of Insurance had received 1,497 complaints concerning the three hurricanes that struck the state in 2020. The LDI has thus far recovered $41 million on behalf of consumers from hurricanes Laura, Zeta, and Delta. In January 2021 the most common grievance regarding these claims was claim delay. But…
What Can I Do if the Insurance Delays My Hurricane Claim?
If having your home damaged or destroyed by a hurricane was not enough, having your insurance company delay your claim can seem like the final straw. Having your hurricane insurance claim delayed can keep you and your family from moving forward after the hurricane. You, of course, want to have your home repaired so you…
What are Exclusions in Louisiana Homeowners Insurance Claims?
When you have gone through a natural disaster like a hurricane or flood, you depend on your insurance company to pay for repairs to your home, as well as other covered perils like loss of use. What you may not be counting on are exclusions in your insurance policy. If you have never read through…
What is an Appraisal Clause in Louisiana Homeowners Claims?
In some cases, there may be a disagreement regarding your insurance company’s valuation of your claim for loss. Appraisal is yet another method of Alternative Dispute Resolution that you may find in your homeowners insurance policy. The language in your policy may state that either you or your insurer can ask for an appraisal. When…
What is Contents Coverage in Flood and Homeowners Insurance Claims?
If your New Orleans, LA property has been damaged by a recent hurricane and/or flood, there are many things you may have to do in order to receive the insurance settlement you need and deserve. As a part of your homeowner’s insurance, you will have contents coverage insurance. This is also known as personal property…
