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Can a Person Get Compensation After a Wreck with an Uninsured Driver?

According to the latest available data, nearly 30 percent of drivers in Mississippi are uninsured, and the uninsured motorist rate in Louisiana is nearly 14 percent. These are realities despite state laws that require all motorists to carry car insurance.

In fact, like other states, Louisiana has a "no pay, no play" rule that limits the ability of uninsured drivers to claim damages after a wreck, but the effect of these rules has generally been modest.

So why are drivers in Mississippi and Louisiana still uninsured?

In many cases, people just can't afford car insurance. Other drivers might be able pay, but they don't because they're simply irresponsible or resent the fact that the requirement exists.

In general, though, high uninsured rates go hand-in-hand with high poverty rates, though Louisiana is an exception because its uninsured rate is significantly lower than its poverty rate.

Can insured drivers still get compensation after a hit-and-run accident or a wreck with someone without insurance?

Short answer: yes. If you're injured in a wreck with an uninsured driver, you may need monetary compensation to help you pay bills and recover. Depending on the severity of the injury, you may need long-term medical care, as well as compensation for lost income now and in the future.

But the process of obtaining this compensation can be complicated. In Louisiana, where having car insurance is compulsory, people carry uninsured/underinsured motorist insurance. That means the compensation comes from your own insurance company and does not affect your own insurance rates.

In Mississippi, you can "stack" your other insurance policies in order to maximize your coverage.

Stacking insurance policies and obtaining the maximum in compensation requires knowledge and experience in these areas. And even though you have insurance yourself, you can be sure that your insurance company will try to reduce the value of or even deny your claim.

Go with a personal injury attorney who knows the state laws and the case law that can be used to maximize your compensation.

Leveraging and stacking insurance policies to help accident victims requires knowledge, skill and tenacity. At B. Geoffrey Harrison PA, we have a strong record of success in going up against insurance companies, and we have recovered millions for our clients over the course of 14 years of practicing personal injury law.

To learn more about your rights as a person injured by an uninsured or hit-and-run driver, please see our hit-and-run accident overview.

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