About six million auto accidents occur each year resulting in forty thousand deaths. Alcohol is involved in forty percent of the deaths resulting from auto accidents, and speeding is involved in twenty-nine percent of the deaths resulting from auto accidents. These auto accidents often result when motor vehicle operators speed, make improper left turns, fail to stop at red lights or stop signs, drive on the wrong side of the street, drink and drive, or travel into the rear-end of another vehicle.

Murphy Law Firm handles personal injury claims. Our lawyers handle cases throughout Louisiana, including Baton Rouge, New Orleans, Shreveport, Lafayette, Monroe, Alexandria, Hammond, Lake Charles and surrounding areas.

The Louisiana Insurance Automobile Law is controlled by the "No Pay, No Play" statute (LA R.S. 32:866) . This statute bars motor vehicle owners who do not have liability insurance from collecting the first ten-thousand dollars of any bodily injury or property damage resulting from an automobile accident. This provision does not apply to passengers in the motor vehicle. Also, accidents caused by drunk drivers or hit and run drivers are considered exceptions to the mandatory "No Pay, No Play" law and will allow victims to recover despite not having any insurance.

In Louisiana, automobile owners must carry at least 10,000/20,000/10,000 liability coverage on their vehicles. Liability coverage pays for injuries, death or property damages that arise from an automobile accident. The three numbers represent split coverage. The first number represents the maximum coverage for one person injured. The second number represents the maximum coverage for all injuries sustained in the accident. The third number represents the maximum coverage for property damage.

It is also mandatory in Louisiana that insurance companies offer uninsured/under-insured motorist coverage (otherwise referred to as UM coverage). Uninsured motorist means that there is no liability coverage at all on the at-fault vehcile. Under-insured means that the liability limits are inadequate to cover the sustained damages. UM coverage is governed by Louisiana Revised Statute 22:1406 (D).

Comprehensive and collision insurance is also available for motorists. Collision insurance pays for damage to the insured's vehicle. Comprehensive insurance is available to cover damages other than collision such as fire, theft, vandalism, flood, and glass damage.

Many personal injuries are the result of auto accidents or collisions. Some examples of injuries that result from auto accidents are cervical and lumbar sprains, herniated and ruptured discs, fractures, knee injuries, brain damage, and paralysis. Victims of auto accidents may recover for pain and suffering, medical expenses, property damage, lost wages and loss of earning capacity.

Murphy Law Firm handles personal injury claims. Our lawyers handle cases throughout Louisiana, including Baton Rouge, New Orleans, Shreveport, Lafayette, Monroe, Alexandria, Hammond, Lake Charles and surrounding areas. 

The attorneys at Murphy Law Firm represent victims of auto accidents. The lawyers do not represent insurance companies . If you have been involved in an automobile collision and suffered injuries, you do not have to be a victim twice. Contact the attorneys at Murphy Law Firm to help you receive compensation for the injuries you sustained from an auto accident.