Hempstead, TX Personal Injury Law Firms & Lawyers

If the insurance policy excludes you specifically, or permissive drivers younger than 22 generally, then you have no recourse. If it does not, then you could sue the insurance company.

The minimum coverage in Louisiana is 15/30/25. This means that the maximum one person can receive in bodily injury is $15,000. The maximum the insurance company will pay out to all injured parties - whether 2 or 10 - is $30,000. The maximum the insurance company will pay out in property damage is $25,000. You may be able to receive money from the insurance company covering the vehicle you were in if it has medical payments coverage and/or uninsured/underinsured motorist coverages. You may also be able to recover from your own insurance if you have the applicable coverages. Please contact my office to discuss further. Just because the vehicle had insurance that may cover you, does not mean that you are automatically entitled to the receive money. You need to ensure that you are protected prior to agreeing to accept any money from any of the insurance companies.

Sounds like you need to at least consult with an attorney. They can advise you whether to proceed alone, or with an attorney. But in nearly every case, you will receive far more compensation if you hire a personal injury attorney, even after the 1/3 attorney fee. That is because an attorney can obtain so much more from the insurance company than you can alone.