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Car Accident Lawyer

Louisiana | Tennessee

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About Gray Law Group

The Gray Law Group gets results on behalf of accident and injury victims. Go Gray today and recover the financial compensation you deserve for your car accident or other personal injury situation.

Car Accident? Injured? Gray Law Has Your Back

If you’ve been hurt in an auto accident and live in Louisiana or Tennessee, you need a car accident attorney on your side who can get you the full compensation you need to recover from your injuries, damages, and losses. Medical care and car repair aren’t cheap, so the at-fault party and their insurer aren’t going to simply admit fault and write the compensation check you need.

But that’s where the Gray Law Group comes into the picture. A car accident lawyer from our firm can take up your case and get you the best end result available—whether that means going through negotiations or taking your claim to trial. Our founder, Daryl Gray, is devoted to justice, and every member of our firm follows his example by striving to embody that same trait.

Our firm is devoted to the people of our community, and we refuse to let them down. When you go Gray, you’re working with an accident lawyer who cares about you as a person and who will guide you through the often-confusing legal process. We know things get confusing after suffering an injury in an auto wreck, and we pride ourselves on taking the necessary steps to make our clients feel comfortable.

Don’t trust your personal injury or car accident claim to an amateur law firm. Instead, take the Gray Way and find out how to get paid every penny you’re owed by the responsible party. Contact us today for your free consultation so that we can get started on your case. The Gray Law Group is here to help you, so don’t hesitate to get in touch so that you can explore your options for legal remedy.

Why Choose the Gray Law Group?

The Gray Way Pays—It really is that simple. From emotional damages to vehicle damage to serious injuries, the Gray Law Group has the experience, knowledge, resources, and drive to win your case.

After a Car Accident or Injury, the Gray Way Pays

Whether you were hurt in a car wreck, shooting, property accident, or something entirely different, the Gray Law Group has the experience in Louisiana and Tennessee personal injury law that you need to get justice. Our motto is simple: The Gray Way Pays. Other firms might encourage you to settle for the first offer made by the insurance company, but that’s not what you get with us.

We will evaluate every loss caused by your accident, which means taking into account how you’ve been affected physically, emotionally, and financially. And not just in the past and present, as your future losses should also be accounted for. Our car accident lawyers know what’s required to recover full compensation for our clients, which is why we stand by our motto.

That’s not the only reason you should choose to Go Gray, however. Your financial compensation is essential, but we also take the necessary steps to make certain that you understand your claim and know what to expect. Car accident, personal injury, and work comp claims are confusing and intimidating, so we provide our clients with the information they need to feel comfortable.

In the end, the Gray Way doesn’t just pay financially, it also pays dividends to your quality of life by allowing you to relax, knowing that you’ve got an experienced accident attorney on your side looking out for your best interests. At the Gray Law Group, we’re dedicated to our community, so when you become a client, you also become our friend and family—making it an easy choice to Go Gray today.

LA & TN Car Accident Lawyer

One moment you’re driving home, to work, or even to a Saints game at the Superdome or a Titans game at Nissan Stadium. The next moment, you’ve been hit by a negligent driver. You and your passengers have suffered major injuries, your car is badly damaged, and you’re traumatized from the horrible experience. Worse, the other driver has left you in this position through his or her reckless driving and poor decision-making.

When this happens, you need help getting back on your feet, but that can be tough. You’re dealing with injuries on top of your case, so you may be overwhelmed by all you’ll need to do and all the laws you’ll need to keep in mind.

That’s why a good Louisiana or Tennessee car accident lawyer can completely change the outcome of your case. It’s tough to go alone, but with the Gray Law Group fighting for you, you can expect the financial compensation you need to get back to your normal life. Get your case started out right with the help you need after a wreck and contact our attorneys today.

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Causes of LA and TN Auto Accidents

In Louisiana and Tennessee, car crashes are an unfortunately common occurrence. For example, many drivers who use I-10 know just how dangerous the stretch of highway through New Orleans can be, but it’s not the only stretch of road in the state with a reputation for accidents. From the main highways to the side streets, negligent drivers can cause trouble anywhere.

When you’re caught in a serious accident, whether you were riding a motorcycle in the crash or a passenger car, one of the first things the police officer at the scene will investigate is the cause of your accident, which can be useful for your case. Knowing what caused the accident gives you a better idea of who’s at fault, so even a single-vehicle crash might be eligible for compensation.

You and your accident lawyer will need to pay attention to the crash report and its findings to get started with your case. The following examples should give you an idea of how broad the possibilities are for a serious crash, as well as where to begin investigating your accident claim:

  • Driver Negligence In many cases, the other driver may have been neglecting his or her duty not to endanger other drivers and people on the road. When this happens, you’ll need to act quickly to gather evidence and file your car accident claim.
  • Driving Under the Influence While this also fits under the first category, when a driver takes  negligence one step further by drinking and driving, you can suffer the consequences. While the criminal court process must come first, you’ll have a chance to act and get your settlement with any criminal charges as evidence of the drunk driver’s gross negligence.
  • Vehicle or Parts Malfunction Sometimes it may not be driver error that causes your car accident. In some cases, a manufacturer may have been negligent and cut corners, and in these cases, you may be entitled to compensation from a product liability case.
  • Dangerous Road Conditions – If your crash was caused by a major road hazard, like a pothole that should have been repaired, you may be able to sue the state, county, or city government agency responsible for the roads. If it should have been repaired and there have been multiple complaints, you’ll have an even stronger case.
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Personal Injury Lawsuits Against the Government Are Different

Unfortunately, if you’re dealing with a lawsuit against a government employee or agency, you could be dealing with an even larger issue. Typically, lawsuits against the government will be handled differently, and it can be tough to get the compensation you need from your case.

Government agencies will also fight back against your case, and they’ll use the extensive resources at their disposal to avoid paying out a large settlement. As such, you’ll need to take care with your case against a government agency, and it’s best to speak with a car accident lawyer quickly.

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Your Car Accident Injuries

No matter who’s at fault for your accident, you’re also likely suffering from serious personal injuries. Auto wrecks are serious incidents, and none of your injuries should be taken lightly. After all, you’re suffering because of them, and keeping careful documentation of the injuries you’ve suffered and their effects will make a difference to your personal injury case.

Some serious injuries can also highlight the severity of your accident and how much you’ve suffered. Even less-obvious injuries can be especially painful, so making sure that your car accident attorney knows exactly how you have suffered will make a difference.

If you’re considering a lawsuit for your car crash, be sure to describe in detail any of the following injuries you have suffered, as well as any others:

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Dealing with Auto Insurance Companies

While you’re dealing with your car accident injuries and making all these other decisions, you’ll also need to contend with the insurance companies, which can be difficult. Being a for-profit business, getting the full settlement you deserve from them may take time and effort. It’s unfortunate, but the other driver’s insurance company will often do everything possible to avoid paying you fairly.

You’ll first need to contact your own insurance company and notify them of the accident. They’ll need to include it in their reports when the damages are over a specific amount, even if they’re not covering your expenses. They may, however, offer programs to help after a traffic crash.

After this, however, you’ll then deal with the other driver’s insurer. When you file a claim, however, be careful: The insurer may use anything you say against you, so take care not to admit fault after the accident.

Unfortunately, even this may not protect the future outcome of your case. Insurers might try bullying or intimidation tactics to prevent you from getting the settlement you need, keeping your settlement away from you until you’re desperate for any sort of compensation—or until you hire a car accident lawyer in Louisiana or Tennessee and file a claim in court.

A few red flags to watch for when dealing with an auto insurer after a collision are the following:

  • Lowballing your settlement
  • Delayed responses
  • Refusing to respond at all
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Car Accident and Injury Laws to Watch For

Once you’ve decided to file an accident claim and fight for your compensation, it may be easier to hire a car accident lawyer at that point, if you haven’t spoken to one before then. Not only are you dealing with serious injuries, but you’re also dealing with a number of laws that will affect your case and how you’ll need to approach it.

These laws can be complicated, but they can also get you the compensation you need when handled correctly. As such, you’ll need to keep in mind that not following these laws can be detrimental for your case.

When you’re considering bring an accident or injury claim, however, there are a few key laws to keep in mind. These won’t be the only ones to affect your case, of course, and they’ll likely not be the only ones you and your auto wreck attorney will discuss. Many laws can, however, lead to a dismissal if not properly handled, so focus on these laws as you prepare your case.

Statute of Limitations for Injury Claims

When you’re filing your car accident claim, one of the first laws you’ll encounter is the statute of limitations. This law limits how much time you have available to file your claim, generally starting from the date of the accident.

Louisiana’s and Tennessee’s statutes, however, are especially strict. Also called a liberative prescription in our Louisiana, you’ll have just one year to file your claim, and no more than that. If you wait longer than one year to bring your personal injury claim, you’ll be barred from recovery.

This means that your situation requires quick action. This statute, after all, is meant to push people to move quickly so that the evidence for their case is as fresh as possible. The older the case is, the less useful the evidence will be, so you’ll need to contact an attorney from the Gray Law Group quickly if you’re nearly at the one-year mark.

Fault Laws in Louisiana and Tennessee

Louisiana and Tennessee are two of the many states to be considered “fault” states when it comes to car accidents. This generally means that when one person is responsible for the crash, he or she is also responsible for the expenses caused by the auto accident.

In contrast, a “no-fault” state would require all insurers to cover their clients, avoiding court cases where possible. Louisiana and Tennessee, however, push the responsible driver to take responsibility for his or her actions so that victims don’t have to pay when they’ve been hurt.

Negligence Law and Your Car Accident Case

Just because the other driver is the one who caused the accident, however, it doesn’t mean that you won’t experience any consequences if you were partly responsible for your auto wreck. In most crashes, both parties have some measure of responsibility for the auto accident, and if you’re not careful, this could negatively affect your injury case.

In Louisiana and Tennessee, you’ll need to focus on “comparative negligence,” which may also be the defendant’s strongest defense. Even if they were obviously impaired or were clearly at fault for the accident, they may claim that you were partly responsible, which could reduce your compensation in proportion to your percentage of fault.

For example, let’s say you were enjoying a drive down US 90, and you were on the phone when another car swerved into your lane. The swerving driver caused the car accident, but you weren’t paying enough attention to avoid the crash. As such, a jury might deem you responsible for something like 15 percent of the accident’s fault.

This doesn’t sound like a lot at first, but it can add up. For example, if you are awarded $25,000 in compensation, but you were found 15 percent at fault, you’d lose $3,750 of that amount, which would go a long way toward paying your bills. Whenever possible, you’ll need to fight this with the help of a car accident attorney.

Tennessee law throws an additional wrench into the system by using what is called “modified” comparative negligence. Under this system, you are barred from seeking compensation if your own percentage of fault exceeds 50 percent.

Employer Responsibility for Employee-Caused Accidents

In some cases, the other driver may not be another person heading to work or enjoying the day. Instead, he or she might have been working when the crash happened, which is especially likely in semi-truck crashes. Delivery people, taxi drivers, and others who drive for a living sometimes make mistakes, especially when working long shifts or when driving in poorly lit areas.

In this case, however, you’re dealing with a unique situation. Drivers who are at work have unique laws that govern fault in their cases. When someone is at work, his or her employer is responsible for any damages or injuries caused by the employee.

Keeping this doctrine of employer responsibility in mind might not affect your case in terms of a dismissal, but it will make the process of filing your car accident case smoother. When you know that you’ll need to file against the employer and not the employee, you can more quickly get your case started and begin fighting for your compensation.

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Getting the Accident Compensation You Deserve

Once you’ve settled the preliminary steps, like initially contacting the insurance company, you can then begin assessing your damages and their costs. When preparing for a court case or negotiation with the insurance company, you’ll need to know exactly what your case is worth so that you’ll be prepared to ask for the full compensation you deserve.

This can vary widely, and typically, you’ll experience damages and losses from several different categories, whether physical, financial, or mental. All of them, however, fall into two main types: economic damages and noneconomic damages.

The first type are the damages that have a price tag attached to them. These damages cover anything you’ll have to pay for out of pocket, whether it’s you, your car, or your other property. These damages are typically easier to calculate, however. Since you’ll have the costs of your expenses and repairs, even calculating future damages shouldn’t be too complicated.

Noneconomic damages, on the other hand, are unique. These damages cover the intangible effects of a major auto accident on your mental and emotional state. Without a car accident attorney on your side, these can be especially difficult to calculate. With a lawyer from our firm, however, you can get the help you need to properly calculate these damages and everything they encompass, such as the following.

Physical Injuries in Auto Wrecks

Typically, the painful wounds you’ve suffered in the car crash will be one of the first considerations you’ll have when determining a proper settlement amount. These injuries can leave you permanently debilitated, and even a relatively short-term injury can leave you with staggering medical bills.

As such, these injuries tend to carry both economic and noneconomic damages. For example, let’s say that you were hit and your spinal cord injury was complete, meaning that you were paralyzed from the point of the injury down with no hope of fully regaining motion again.

This is devastating in every possible way. Not only will the bills pile up from the continued expenses of caring for a serious injury, including therapy to regain any motion and household accommodations, but you may be mentally traumatized, as well. Losing a major bodily function is difficult, and many people struggle with depression over such an occurrence.

As such, keep in mind that your physical injuries may cause further damages. The initial injury may leave you unable to walk or function as you did before your car accident, but other damages will be caused on top of that. Your auto accident lawyer can help you start with the injuries you know you have, then move on to calculating your future damages.

Financial Losses

Your finances can suffer as well after an accident. While your physical and mental health are vital, the expenses you’ll accrue during this time can also be overwhelming. You will likely be dealing with a wide range of expenses, and none of them will be easy to handle. When you file a claim, be sure to include any financial losses you’ve had during your crash.

For example, you’ll almost certainly have some injuries, and even smaller wounds can be difficult or expensive to treat. Lengthy medical care will only add to the cost of the visit. This should also include any future expenses, such as planned surgeries and long-term therapy.

Property damage will also be tough. Getting a fair price for your car, especially if it has aftermarket additions or previous damage, is tough. You’ll need an accident attorney with experience determining the value of a vehicle to help you price your car’s market worth and what you’re owed for that vehicle.

You’ll also need to consider the accident’s impact on your job. Some auto accidents may put you out of work for a short period of time, while others may mean you’ll never be able to work again. If you’ll be out of work at all while you recover, or if you’ll be unable to return to your former position, a lawyer from the Gray Law Group can calculate how much you’re owed for your injuries.

Mental Trauma

While it’s the least visible part of your claim, it’s important to consider the mental toll of a car wreck on a person. It’s not easy to determine, but an experienced car accident attorney in Tennessee or Louisiana will be able to help you calculate what the mental and emotional strain of the crash has been and translate it into a dollar amount.

For example, the pain and suffering you experience from a personal injury may be especially high, or you may be left with severe mental trauma and fear because of the collision. In that case, you may have lost your enjoyment of life, loved ones, and companionship, depending on the context of your accident case.

These are typically calculated through the severity and lasting effects of your emotional damages, which may be subjective but will take into account the personal toll you’ve suffered.

For example, the average person will be in severe pain after a broken leg, but for an athlete, this could be the end of his or her career. As such, your car crash lawyer will keep in mind that every person will have a different response, and a lawyer can help you determine exactly what you need. No matter how complicated, the Gray Law Group will make sure you get the compensation you deserve.

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Why You Need an Accident and Injury Lawyer

When looking at all the parts of your case as a whole, you might feel a little overwhelmed by the situation you’re in, and it might feel hopeless or difficult to overcome. After all, you’ve suffered so much, and when the insurance company refuses to pay, you’ll need to fight just to get the compensation you deserve for recovery.

That’s where a car accident lawyer comes in. It’s tough to get the full compensation you deserve on your own, and in some cases, it might even be impossible if you miss a date or say the wrong thing to the wrong people. To avoid losing the funds you need, you need to get help from an experienced auto accident law firm.

An attorney from the Gray Law Group will also have advanced resources and in-depth knowledge of personal injury and auto accident law. After spending years studying it, we know exactly what your case needs to succeed, as well as what resources will help you best when you’re struggling, whether it’s expert witnesses or investigations into a faulty part.

Mainly, however, a lawyer from our office will give you the peace of mind that you won’t have on your own. It’s not easy to go alone after a crash—and not just financially, but also mentally. When you’ve suffered serious injuries and losses in a car accident, the last thing you need is more stress. Instead, you need someone who will fight for the monetary compensation you need.

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Speak to a Car Accident Attorney

If you’re struggling with your case, then an accident attorney can help. Car accidents are sudden and scary, but they don’t have to leave you without recourse to get you through this difficult time. While it may be a battle to get compensation, you need those funds to get your life back on track after the wreck.

That’s what the Gray Law Group is here for. We have handled car accident cases from all over Louisiana and Tennessee, and we know how serious these accidents are and how to fight for your compensation. If you’re not sure where to go or what to do next, contacting our law firm can put you on the right track.

If you’re concerned about legal bills, speak to us anyway: We’ll review your case for free, and we’ll offer our services on a contingency fee basis, meaning that we don’t get paid until after you get paid. We know that car crashes are a financial strain, and we plan to help—not add to that strain.

Sign up for a free consultation with an experienced injury lawyer today and reach out to us as soon as possible. Call us at today, or simply reach us through our online form below.

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Frequently Asked Questions About Car Accidents

How long do I have to file a personal injury lawsuit for a car wreck in Louisiana or Tennessee?

You will have only one year from the date of the car accident, or from the date you were diagnosed with an injury that directly relates to the auto collision, to file your personal injury claim. That may seem like plenty of time, but between collecting witness statements, examining the vehicles involved, and collecting other supporting evidence, one year can quickly pass by.

If your car accident claim isn’t filed within the year following the accident or your diagnosis, you will be barred from recovering your losses in civil court and unable to hold the liable party accountable for their negligent actions.

Will I have to go to court for a car crash in Louisiana or Tennessee?

Not necessarily. The Gray Law Group is usually able to avoid going to court by successfully negotiating with the insurance company to reach a fair and full settlement agreement. In the event that the insurer declines to make a reasonable settlement offer, your car accident attorney will be prepared to move forward with your claim in civil court where a judge or jury will be able to render an impartial decision.

How can I afford a car accident attorney?

With our law firm, you won’t need to concern yourself with how you’ll pay for our legal services. This is because we work for our clients by way of an attorney contingency fee. You won’t have to pay us a dime unless and until we win your personal injury case.

A previously agreed-upon fee will be deducted from your final settlement after your case has been won so that you don’t have to worry about paying another bill while dealing with other crash-related losses.

What evidence will help support my auto accident case?

There is a plethora of evidence that can help to build your accident case. Some of the most frequently seen types of evidence we work with in a car accident claim include video surveillance from traffic lights or nearby businesses, photographic evidence of the damage done to the vehicle, eyewitness statements, and vehicle inspection reports to determine if a faulty or malfunctioning part caused the collision.

What are some common car crash injuries?

The injuries automobile accident survivors endure can have a devastating and lifelong impact on their lives.

You may need to undergo extensive physical and occupational therapy to learn how to live your everyday life with a permanently disabling condition, such as traumatic brain damage, spinal cord injuries, amputations, organ failure, third-degree burns, internal bleeding, and whiplash.

What does negligence mean in personal injury claims?

When we discuss negligence in car accident claims, we are referring to a careless or thoughtless action that anyone of reasonable mind would not have made.

For instance, in a medical malpractice case, a surgeon who accidentally left a lap pad inside of a patient’s body cavity would be found negligent due to the fact that another surgeon of similar experience, training, and education would checked the cavity before closing it.

Can I pursue an injury claim if I was in a single-car crash?

Yes, potentially you can. There are any number of reasons why you might have been the only driver involved in your car accident. Perhaps a part of the vehicle malfunctioned or was faulty, or maybe debris in the road or some other roadway hazard contributed to the cause of the crash.

If either of these factors played a part in the reason your automobile was in an accident, we will bring an accident claim forward against the parts manufacturer or government agency responsible for the maintenance of the roads. If you also contributed to the cause of the accident, you can expect to have your award reduced accordingly.

What is distracted driving?

Distracted driving is one of the many reasons the operator of a motor vehicle could be deemed liable for your damages. It occurs when the other driver is focusing on a cell phone, navigation system, radio controls, beverage, or anything else that might split attention away from engaging in safe driving practices.

When is the other involved driver liable for my car accident damages and losses?

The other driver involved in your traffic collision will be responsible for covering the costs associated with any injuries you might have endured if his or her negligent action was the direct cause of the accident in question.

For example, if the other driver was distracted while driving, driving while fatigued, driving aggressively, speeding, following too closely, changing lanes without signaling, ignoring street signs and traffic signals, or operating while under the influence of drugs or alcohol, the driver might be found negligent and therefore responsible for the auto crash.

Essentially, in any car accident case where the other driver could have prevented the accident from occurring, a car accident lawyer can help you hold the at-fault party accountable for your expenses and losses.

Who else could have contributed to the cause of the auto accident?

The answer to this depends on a number of factors. The Gray Law Group can look into the vehicle parts manufacturer or technician responsible for maintaining the vehicle if they knowingly installed a faulty part, or if they failed to inform you of a recall on your vehicle and you were subsequently involved in a collision. Also, the state’s department of transportation could bear some culpability if they didn’t act quickly enough to resolve certain hazards on the roads.

If you were hit by a tractor-trailer, the opportunity to sue the trucking company, the owner of the truck, cargo loaders, safety inspectors, and others who have an obligation to ensure the safety of the big rig will present itself. The same can be said for the authority in charge of the safety of a public transportation system in the case of a bus crash. No matter who was responsible for the cause of your accident, our personal injury law firm is more than capable of handling your claim.

What can I do if I was involved in a hit-and-run?

When you are struck by an automobile whose driver fled the scene of the accident, you might be thinking that you don’t have any options as far as recovering your damages goes. After all, how can we file a personal injury lawsuit if we don’t know who the offender was?

Fortunately, we will work with the police department to do whatever we can to help bring the culprit to justice. We will help gather witness statements, video footage, and any other evidence that will identify the person who struck your vehicle.

In the meantime, your car accident lawyer will calculate the value of your claim and negotiate with your insurance provider under an uninsured driver claim so that once the police determine who hit you, we’ll be ready to file your injury lawsuit.

What if a pothole caused my car accident?

When a pothole that is too deep wreaks havoc on your vehicle, the department of transportation is sometimes at fault, as they have an obligation to ensure the safety of the roadways. This includes filling in any potholes that have the potential to not only cause damage to your vehicle, but also to cause an auto accident.

Bear in mind that if we do need to pursue a claim against the department of transportation, they are considered a government agency. As such, we will only be allotted a period of one year to bring your claim, and there will likely be a number of additional hurdles to the legal process, making it imperative to begin work on your injury claim immediately.

Are some intersections in New Orleans more dangerous than others?

Yes, intersections that are more congested with traffic are often at an increased risk for an accident. In New Orleans, one of the most dangerous intersections is at Elysian Fields and St. Claude Avenues, where there are multiple crashes each year.

A few other intersections you might want to avoid if you hope to reduce your risk of being involved in a motor vehicle collision include Howard Avenue at St. Joseph Street and Clearwater Parkway at Veterans Memorial Boulevard.

Who is at fault for a T-bone accident?

When you are injured in a T-bone collision, your accident attorney will be able to determine who is liable based on who had the right-of-way at the time of the crash.

For example, let’s say that you were at a four-way intersection and stopped at a red light. When your light turns green, you proceeded through the intersection only to be struck by another vehicle whose driver failed to stop at the red light. The other driver would likely be to blame.

My car rolled over; who is responsible?

If you were injured in a rollover accident, there are a few parties that we could examine for culpability. The first would be the department of transportation to see if there were any road hazards that could be responsible for causing your car accident. Another could be the manufacturer of the parts of the car if there was a recall that you weren’t notified of, or that wasn’t made public, leading to a malfunction that caused your vehicle to roll over.

What do I do if I was rear-ended?

Nine times out of ten, the driver who rear-ended you is liable for the rear-end collision. This is because it is the responsibility of every driver to maintain a safe amount of stopping distance between vehicles.

When you’re rear-ended, it suggests that the driver of the other vehicle did not follow this rule of the road. You’ll proceed by filing a police report and hiring an experienced car accident lawyer who can help you hold the negligent party accountable through filing a personal injury claim.

Are some roads more dangerous than others?

Yes, some roads are absolutely more dangerous to travel on than others. While it’s easy to see why people might assume that highways, where bumper-to-bumper traffic is prevalent, are the most dangerous, it’s actually rural roadways that pose the greatest threat.

Not only do people drive at higher speeds when driving through country roads, but they’re also exposed to wildlife such as deer, which can cause devastation to your vehicle if you hit them. In addition, roads that flood very easily and those that do not have street lamps can also be much more treacherous to travel on.

What if I partially caused the car accident?

If you are partially responsible for causing the crash, you will still be able to seek compensation for your damages from the other party. However, you should expect that the amount you are awarded in compensation will be reduced based on the percentage of blame you are responsible for. This is known as “comparative negligence.”

For example, if the judge finds you to be 20 percent responsible for the cause of the car accident and awards you a sum of $10,000 for the damages you incurred, you can expect to have your award reduced from $10,000 to $8,000 due to the amount of fault you carry.

Note that in Tennessee, if you are 50 percent or more at fault, you are barred from seeking financial compensation from the other involved parties.

What if the other driver was uninsured?

If you purchased uninsured or underinsured motorist coverage (UIM) on your auto insurance policy, you will be able to file a claim for a portion of your medical expenses and damage done to your vehicle with your own insurance company.

Although the state of Louisiana requires drivers to carry this coverage on their policies, you can decline to add it to your policy if you do so in writing. Should you choose to decline UIM and therefore do not have this protection, then you will need to seek compensation through a personal injury claim in civil court with the help of a lawyer.

What does fault refer to in terms of auto insurance claims?

Louisiana and Tennessee are fault states for car insurance. This means that the person at fault for causing the accident and his or her insurance company will be responsible for covering your costs.

You will not need to file a car accident claim with your own insurance provider if the other driver’s policy limitations are enough to cover your losses. If they are not, then you’ll need to file a claim with your insurer before we can move forward with a personal injury claim.

Should I make a statement to the insurance company about the car accident?

The Gray Law Group never advises that our clients make a statement to the insurance company. As a for-profit industry, you can expect the insurer to do whatever they can to minimize the amount they are required to settle for by attempting to place unwarranted blame on you in order to take advantage of comparative negligence laws.

Insurance adjusters will ask you to make a statement about how the accident occurred so that you can “settle your claim quickly,” but in truth, they are notorious for taking these well-intentioned statements and manipulating them to make it appear as though you’ve admitted fault in some way.

Should the insurance company need a statement, your car accident lawyer will work with you to form a concise statement that will never admit blame but answer their questions in entirety so that your settlement is protected from money-hungry insurers.

The insurer made me an offer for the car accident; should I accept it?

Before you decide if you should accept an offer from the insurance company, it is crucial that you have it reviewed by a qualified car accident attorney; particularly if the insurer made the offer quickly, as this could demonstrate that the adjuster sees the value in your claim and is hoping to avoid paying you what it’s actually worth by making you a swift offer while they know you need the money.

By having your offer reviewed by the Gray Law Group, you can rest assured that you won’t be settling for less than what you’re entitled to.  

Can I get my medical costs covered after the wreck?

Absolutely! One of the most critical aspects of your claim will be that we recover your medical expenses. With the cost of healthcare in the United States being what it is, even the most minor of injuries can result in tens of thousands of dollars in medical bills. Critical injuries are known to devastate families financially, with many receiving bills that go well into the hundreds of thousands of dollars.

Not to mention the fact that you shouldn’t be faced with these costs when you weren’t responsible for causing the car accident in the first place! We will be sure that no stone goes unturned when considering the full value of your medical expenses.

Some of the most frequently recovered damages in car accident cases are copays, costs of diagnostic imaging, costs of treatment, costs of prescription medications, medical equipment and mobility aides, the accommodations you’ll need to adjust your home for new disabilities, physical therapy and rehabilitative services, mental health counseling, and a variety of other expenses that will vary on a case-by-case basis.

What are economic damages in personal injury claims?

The way that your injury attorney will calculate what your injury claim is worth involves considering the effects your injuries has on your life—both financially and psychologically. Economic damages are those that impact your financial status.

These losses generally include the costs of replacing or repairing your vehicle, wages you were unable to earn while you were out of work and recovering, the complete extent of your medical bills, and the loss of your future earning potential.

What is the loss of enjoyment of life?

The loss of enjoyment of life refers to an injury victim’s inability to participate in activities that brought enjoyment before the car accident caused a disabling injury.

For instance, someone who previously competed regularly in golfing tournaments but can no longer do so because an arm had to be amputated following a car collision would meet the standard for loss of enjoyment of life.

Can I recover loss of household services after suffering car crash injuries?

The loss of household services refers to your inability to complete tasks throughout your home on a day-to-day basis. For instance, you could include your inability to wash dishes, do laundry, clean bathrooms, mow the lawn, and a slew of other household activities that require your attention regularly.

This is considered a non-economic damage, and you will have the opportunity to include it when we seek compensation for your car accident injuries.

Is there a cap on how much I could be awarded for a Louisiana car accident?

No! While there is a $500,000 cap on claims that pertain to medical malpractice and in lawsuits against government entities, Louisiana has not formally declared a cap on damages that arise from a car accident.

This is fantastic news considering how quickly medical expenses can add up in addition to your lost wages, damage to your future earnings, and non-economic damages that can have an enormous impact on your life for years to come.

What are punitive damages?

Punitive damages are awarded by a judge and are meant to punish a wrongdoer for acting in malice or intentionally causing harm, as well as to make an example of the defendant and hopefully prevent similar future accidents from occurring.

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