How to File a Property Damage Claim in Louisiana
A property damage claim following an automobile accident can include damage to or the total loss of a vehicle. As a car owner and car accident victim, you are entitled to receive payment for any damage done to your vehicle through a “property damage claim,” especially if all elements of your claim have been met.
What Is Covered in Property Damage Claims
Insurance policies usually specify what is and isn’t covered in a property damage claim as a result of an automobile accident. A Louisiana personal injury attorney can look over your car insurance policy and help explain the specifics, particularly if an insurance company is disputing your claim.
Filing a Property Damage Claim in Louisiana
To file a property damage claim in Louisiana, you will need to do the following:
- Contact your insurance company as soon as possible after the accident.
- If you are injured and unable to make the call yourself, ask someone else to make the call to your insurance agent so they can start a preliminary claim report. Later, when you are able to handle your own affairs, you can call and provide any additional information.
- Report any injuries or whether anyone was transported from the scene to a medical facility.
- Have all the information on your vehicle including the make, model and VIN number as well as your policy information ready to give to the insurance company. Also, provide as much information as possible on the other vehicles that were involved in the accident.
- Give a brief description of what happened, including the location of the accident. Tell the insurance company where the damage is located on your vehicle.
- Leave a phone number and Email address where you can be reached later. The adjuster who will be assigned to your case will need this information when they call to complete the claim report.
- Contact a Louisiana car accident attorney who can help you to file a claim properly and if necessary, negotiate with your insurance company on your behalf to get the situation rectified. Remember; never sign any settlement from an insurance company without having a lawyer first look it over!
Louisiana and No-Fault Insurance
Louisiana is not a no-fault state. This means that someone must take responsibility for any vehicle property damage caused as a result of an automobile accident. If an insurance company or responsible party shows reluctance to do so, then a Louisiana car accident attorney can be especially helpful at this time. Your car accident attorney can complete the necessary paperwork and file documents on your behalf.
Compensation for Property Damage Claims
You should be aware that the compensation amount you may receive will be based on many factors. These include any limitations or “caps” that insurance companies place on the amount that they will pay for damages as well as the amount of damage done to your vehicle and your vehicle’s overall value.
You should remember that the insurance company does not have to pay you enough to enable you to buy a brand new vehicle. They are only required to pay the fair market value of the damaged vehicle if your car is considered totaled.
That being said, there may be some dispute as to what they think your car is worth versus what you think your car is worth. Most insurance companies will go by the Kelly Blue Book standard, but if you disagree with the initial amount your insurance company offers you, you and your Louisiana car accident attorney may be able to negotiate a better deal.
Contacting a Baton Rouge Car Accident Lawyer
If your car has been seriously damaged or totaled due to a car accident, you may be able to get the compensation you deserve helping you file a Louisiana property damage claim. Contact a Baton Rouge car accident lawyer today at the Law Offices of J. Price McNamara – 866-248-0580.