In Louisiana, accidents involving uninsured or under-insured motorists are unfortunately common. If you or a family member has been injured in such an accident, it is important to understand your legal options. One such option is resident relative coverage under uninsured/under-insured motorist policies.
What is Resident Relative Coverage?
Resident relative coverage is a type of insurance coverage that provides compensation to injured family members who live with the automobile insurance holder. This type of coverage is included in most uninsured/under-insured motorist policies in Louisiana.
Who Qualifies for Resident Relative Coverage?
To qualify for resident relative coverage, you must first establish that you are indeed a resident relative. A resident relative is defined as anyone related to the insured by blood, marriage, or adoption, and who lives with the insured person at the time of the accident.
What Does Resident Relative Coverage Provide?
Resident relative coverage provides compensation for medical expenses, lost wages, and pain and suffering that the injured family member experiences as a result of the accident. This coverage is in addition to any compensation the injured person may receive under their own uninsured/under-insured motorist policy.
How to File a Resident Relative Claim
To file a resident relative claim, you must first establish that you are eligible for coverage. This can involve providing evidence such as an affidavits from the at-fault driver and the owner of the at-fault vehicle acknowledging they were uninsured at the time of the accident. These are frequently called “Affidavits of No Insurance.”
It is important to work with an experienced personal injury attorney who can help you navigate the claims process and ensure that you receive the full compensation you are entitled to.
How A Lawyer Can Help
If you or a family member has been injured by an uninsured or under-insured motorist, it is important to understand your legal options. At Malvin Law, our sole focus is helping personal injury victims. Our attorneys are experts when it comes to determining insurance coverage and enforcing rights under insurance policies. We can help you understand your rights, or the rights of a family member, under resident relative coverage. Contact us today to schedule a free consultation and learn more about how we can help you with your case.
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