If your insurance claim has been wrongfully denied, you may be the victim of bad faith practices. Many situations can result in a bad faith insurance claim, including a delayed claim investigation or delayed payment of a claim. A bad faith action helps protect insured individuals when dealing with insurance companies. However, just be cause your claim has been denied does not mean you have a bad faith insurance claim. If you believe your claim has been wrongfully denied, contact an insurance law attorney today to determine if you have a valid bad faith insurance claim.
Louisiana Insurance Defense Lawyers
Since 1948, the New Orleans, Louisiana, based law firm of Bienvenu, Foster, Ryan & O'Bannon, L.L.C. has provided quality insurance defense services in cases throughout the state. Our clients are some of the most recognized names in the insurance industry. We have extensive experience with first and third party actions and have handled cases in nearly every category of insurance.
Contact our office to learn more about our services and how we can help you. You can reach us by phone at 866-459-6002 or via e-mail.
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Contact the New Orleans, Louisiana, based law firm of Bienvenu, Foster, Ryan & O'Bannon, L.L.C. to learn more about our insurance defense services and how we can help you.
The attorneys at Bienvenu, Foster, Ryan & O'Bannon, L.L.C. have extensive experience in a wide variety of insurance defense matters. Contact us to learn more about our firm and our services.
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage was created to address the problem of drivers with inadequate motor vehicle liability insurance and the subsequent concern of an individual to receive full compensation for a personal injury received in a car accident. Uninsured and underinsured coverage protect insured parties when they are injured by other drivers who do not have insurance or whose insurance is insufficient to cover the cost of the injuries. If you have questions about uninsured or underinsured motorist coverage, contact Bienvenu Foster Ryan & O'Bannon LLC in New Orleans, Louisiana, to schedule a consultation with an attorney.
Uninsured Motorist Coverage
Uninsured motorist coverage pays benefits to the insured individual for his or her personal injuries. However, these benefits are only paid when the insured party is legally entitled to recover benefits from the uninsured driver or when a driver is unknown, as in a hit and run accident. Usually, uninsured motorist coverage applies to the named insured individuals on the policy, members of the insured party's household, individuals insured while riding in the insured's vehicle and individuals who suffer subsequent damages resulting from personal injuries sustained by the above mentioned individuals.
A majority of states provide uninsured motorist coverage by statute. Some states require all automobile insurers to require uninsured motorist coverage in their liability policies. Other states only require automobile insurers to offer uninsured motorist coverage to their insured customers as an option to include in their automobile insurance packages. In these states, the insured can refuse to carry uninsured motorist coverage to reduce the cost of premiums. Individuals who choose not to include uninsured motorist coverage as part of their automobile liability insurance typically must rely on their own health insurance to cover personal injuries that result from car accidents.
Underinsured Motorist Coverage
The purpose of underinsured motorist coverage is to indemnify the injured party in situations where the car insurance policy of the party at fault is insufficient to cover the injuries of the other party. For example, underinsured motorist coverage comes into play in situations where the at-fault party's insurance policy's coverage limits are lower than the automobile liability insurance or the underinsured motorist coverage of the insured injured party. Unlike uninsured motorist coverage, underinsured motorist coverage is typically not required by statute; however, automobile insurers are including this type of coverage in their liability policies more and more often for an increased premium cost.
Protect Yourself
Make sure your insurance policy coverage is adequate for you and your family's needs. Contact your insurance company to learn more about your automobile coverage. If you have been injured in an accident and the responsible party does not have insurance or carries inadequate insurance to compensate you for your injuries, the attorneys at Bienvenu Foster Ryan & O'Bannon LLC in New Orleans, Louisiana, can help you protect your rights and get the recovery you deserve.
