Louisiana Auto Insurance Company
Filed under: Auto Insurance Quotes, Louisiana Auto Insurance
Reader’s Question:
I just moved to Louisiana. Recently, I overheard my coworkers saying the state was a comparative negligence state. What does the term mean? How does it affect me?
Jamie
Shreveport, LA
When vehicular accidents happen, the first question that pops into people’s heads is: “Will my automotive insurance cover the damage?” Jamie, the answer to this question depends on which state you live in, what your car insurance coverage is and whether or not it was your fault. The policy varies depending on your location. For example, in some states, if you are the slightest bit at fault, the insurance company will not pay for the damages to your car or any injury you may have incurred. If I am not mistaken, this is called pure contributory negligence. You are either at fault or you’re not. This is a very strict system which I believe only five states currently follow.
If your co-workers refer to Louisiana as a comparative negligence state, that means the state takes into consideration the extent of your so-called negligence. After an accident, your automobile insurance company may conduct an investigation and send an adjuster to determine how much you were at fault and how much you are entitled to receive. The good news is this is negotiable. There aren’t fixed mathematical formulas to arrive at the figures. So get yourself a standard auto insurance and hire a good lawyer. Then again, nothing beats simply driving safely.
