Covington Car Accident FAQs

An accident happens to you on your way to work.  You are in a hurry and the damage doesn’t look that bad.  Should you call the police anyway?  The answer is... Probably!  But if you insist on not calling the police, here are a few tips. 

Why You Should Call The Police After Any Accident:

The police will document the accident (even a minor accident), and collect important information from both drivers.  The information collected by the police should include the other person’s name, insurance information, and vehicle information. 

If you have to make an insurance claim with the other driver’s insurance company, they will ask you if you have a police report.  If you don’t, this may slow down the claims process, since they will have to rely on other evidence in order to take responsibility for the wreck. 

At the scene of the accident, even if the other person seems nice and reliable, you never know if they are giving you the correct information or if they will admit fault to their insurance company later.  Having a police report is the best way to document information right after a wreck. 

What If I Don’t Want To Call The Police?:

I get it.  You are in a hurry and the other person doesn’t want you to call the police.  Maybe they are a young driver and you don’t want it on their record.  You choose not to call the police.  What should you do? 

• Take as many pictures and videos of the scene and other driver as possible:  Document EVERYTHING!  Without a police report, this is the only opportunity you will have to preserve evidence of the position of the vehicles and the parties involved.  Think, “what if the other person denies being in an accident?”  If you take pictures and video, you will have proof that they were. 
• Take a video of the other driver admitting fault:  If the other driver is apologizing to you for causing the wreck and begging you not to call the police, have them state that they are responsible for causing the wreck on video.  Have them state their name, the date, and what happened to cause the accident (ie. “I looked down...”).  If they are unwilling to do this, call the police. 
• Take pictures of the other driver’s information:  Take photos of the other driver, their vehicle, license plate, registration, and insurance card.  You will NEED all of this information if you have to file an insurance claim. 
• Get names of witnesses:  If there are witnesses to the accident, get their names and contact information.  You never know if you are going to need them to prove that the accident happened. 
• Keep an eye on your injuries:  During an accident, adrenaline is released in the body, sometimes masking injuries.  It may take a few days for some injuries to reveal themselves. 

Keep an Eye on Your Injuries:

During an accident, adrenaline is released in the body, sometimes masking injuries.  It may take a few days for some injuries to reveal themselves.  If you feel that you are injured, get medical attention as soon as possible.  If you let it go too long, the insurance company will discredit that the accident caused your injury.

Were You Involved In An Accident And Something Just Doesn't Seem Right?

At Flattmann Law, we know that even accidents that seem minor can result in serious injury.  If you were involved in an accident and something just doesn’t seem right, contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Madisonville, Goodbee, Hammond, Lacombe, Pearl River, and Slidell.

Most people have heard the term “GAP insurance” and may have been told that they don’t need to get it when purchasing a vehicle.  You may have been told that GAP insurance is something the car dealership is offering you just to make a little more money.  But before you decline it, let’s go over a few things.

What is GAP Insurance?:

GAP insurance is an optional insurance you can purchase when you buy a new vehicle.  It is often offered to you at the dealership along with things like extended warranties when you are filling out the sales paperwork and/or applying for a car loan.

In the event of the loss of your vehicle (typically as a result of a wreck), GAP insurance covers the difference between what you owe on the vehicle and what the auto insurance company is paying. 

GAP Can Be Extremely Helpful After a Total Loss:

As stated above, GAP insurance comes into play if your car is totaled and your car loan is more than the amount the car insurance company is paying you for it.  Say for example you total your vehicle in a car accident a year after purchasing it and at that time, you still owe $20,000 on your loan.  Since your car started to depreciate as soon as you rolled off the lot, it may only be worth $15,000.  After the car insurance company pays the loan company $15,000, you still owe $5,000.  If you have GAP, your GAP insurer will pay the $5,000 difference on your note.  

In the scenario above, if you didn’t have GAP, you would be stuck owing the $5,000 difference.  That’s because, in Louisiana, the law only requires the at-fault insurance company to pay the Actual Cash Value “ACV” of your vehicle after a total loss.  The ACV and the amount you may owe on your car note are TWO SEPARATE THINGS.  In short, the at-fault car insurance company doesn’t care how much you owe on your vehicle. 

When Don’t I Need GAP?:

You likely don’t need GAP insurance when the Actual Cash Value of your vehicle is more than what you owe on it.  If you are uncertain about this, or if the amount you owe on the vehicle is close to its current value, you may want to consider GAP. 

Oh Shoot!  I Don’t Have GAP.  Can I Still Get It?:

Good news!  Even if you originally declined GAP insurance when you purchased your vehicle, you can probably add it if you still have a car loan and your vehicle hasn’t been wrecked.  You can call your original dealer to see if GAP is still available through them, or you can call your own auto insurance company to see if they offer GAP as an optional coverage on your insurance policy.

Have You Been Injured In An Accident And Have Questions About How Your GAP Insurance Works?

If you have been injuried in a car wreck and have questions about how your GAP insurance works contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Madisonville, Goodbee, Hammond, Lacombe, Pearl River, and Slidell.

 

UM insurance stands for “uninsured motorist” coverage.  As discussed in several other articles, UM insurance is optional in Louisiana and not required by the State in order to be “legal.”  UM insurance comes into play when the at-fault driver doesn’t have liability insurance or doesn’t have enough insurance to adequately cover you for your personal injury losses.  In those cases, you make a claim with your own insurance under your UM coverage. 

Your UM insurer owes you a direct contractual duty:

Unlike the other driver’s insurance company, your UM insurer (your auto insurance company) owes you a direct duty pursuant to your insurance contract with them.  As with most contracts, that means both you and your insurance company have certain obligations and duties to each other. 

Your UM insurer must treat you fairly during the claims process:

One of the duties your UM insurer has is “fair dealing.”  That means the insurance company should not try to trick you during the claims process.  For example, a UM should not threaten you during the claims process, or try to get you to settle quickly by saying things like, “this is your last chance,” or “if you don’t accept this now, you can’t later.” 

Another obligation your UM insurer has to you is to handle your claim in “good faith.”  That means a few things.  First, it means that they have an obligation to properly evaluate your claim.  Second, it means that after they are provided with “adequate proof of loss,” they must adjust (evaluate) your claim within a reasonable time.  Finally, it means that they must make “unconditional tenders” to you of the amount(s) they believe your claim is worth. 

What is an “unconditional tender?”:

An unconditional tender is a payment your UM insurer should make to you after they are provided with adequate proof of your losses.  For example, say you have proven to your UM insurer that the other party caused your wreck and are uninsured.  You have also provided proof of your medical bills and injuries in the way of medical bills and doctor notes.  If, after evaluation, your UM insurer believes that your personal injuries (including doctor bills and general damages) have a value of $5,000, they must “unconditionally tender” that amount. 

An unconditional tender means that the insurance company must send you a check for the undisputed amount of your claim, without any strings attached.  For instance, they should not require you to sign a release in order to get your money. 

What happens if I think my UM insurer owes me more money?:

In many situations, you may think that your UM claim is worth more than your insurance company is tendering.  For instance, if you think your claim is worth $10,000, but the UM insurer only tenders $5,000.  In those cases, it is important to remember that you still retain the right to pursue the remainder of your claim, even if a tender has been made.

Have You Been Injured In An Accident And Need Help Handling Your Personal Injury Claim?

At Flattmann Law, we handle UM claims and hold UM insurers to their obligations.  If you do not think you are being treated fairly by your UM insurer contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Hammond, Lacombe, Pearl River, and Slidell.

 

We often get calls from people complaining that the insurance company is not treating them fairly or responding to their personal injury claim.  Digging deeper, we inquire as to the information and documentation the person provided to the insurance company to support their claim.  A common response is that the person signed all the requested authorizations and may have submitted one or two medical bills. 

Unfortunately for them, a few medical bills and a verbal report of injuries do not constitute “adequate proof of loss.”  The insurance company is ignoring them because the claimant has not triggered their obligation to respond under the law.

What is Adequate Proof of Loss?:

A claimant has the burden of providing adequate proof of their loss to the insurance company.  This means the claimant must prove (1) the other party’s fault for the accident and (2) their damages and injuries. 

Proving the other party’s fault for causing the wreck can be as simple as sending the insurance company a copy of the police report, if the report clearly shows that the other person was responsible for causing the wreck.  If it doesn’t the claimant must submit other evidence of the other person’s fault, like video evidence, photographs, witness statements, etc. 

Most people fall short in proving their injuries and damages.  Just telling the insurance adjuster that you are hurt doesn’t cut it.  Instead, it is best to provide copies of your medical bills and records, which document your injuries, medical treatment, and medical bills in black and white. 

Certified Mail?:

Do people still use certified mail?  YES.  While email is great, it is still good practice to follow any important emails (especially those providing proof of loss) with certified letters to the insurance company, with copies of the documents.  That way, you establish a clear record of your attempts to provide adequate proof of loss.

Have You Been Injured In An Accident And The Insurance Company Is Not Treating You Right?

If you are getting frustrated with your insurance claim contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Hammond, Lacombe, Pearl River, and Slidell.

Ever wonder if some days or times are safer to drive than others?  If you are like me, there are days I come up and tell my wife: “It seems like all the bad drivers are on the road today!”  Is that a coincidence?  Turns out it is NOT!

Be extra vigilant on Friday and Saturday!

According to the National Safety Council (Injury Facts), the number of fatal crashes is more frequent on weekends, peaking on Saturday.  The number of nonfatal crashes is higher on weekdays, peaking on Friday.  For both fatal and nonfatal wrecks, the peak time of day was 4 p.m. to 7:59 p.m., but vary depending on the time of year.  In general, less fatal crashes occur in the morning and increase later in the day and into the evening hours. 

Travel in March, not in October.

During the COVID pandemic, crash statistics were largely sporadic given people’s jobs, crazy store hours, lack of school, etc.  Now that things are getting back to normal, so are crash statistics.  Typically, less miles are traveled in January and February and steadily increase through July.  As a result, traffic deaths were lowest from January to March and elevated from May through October.   

Increases in fatalities during COVID.

You would think that with fewer people on the road during the COVID pandemic, the rate of crashes and fatalities would have decreases.  Surprisingly, this was not the case.  In fact, in 2020 the number of crash deaths increased by 8% despite an 11% decrease in the amount of miles driven.  In 2021, the number of deaths increased by an additional 11%. 

Researchers blame the increase in traffic deaths in 2020 to three factors: (1) An increase in alcohol-impaired driving; (2) an increase in speeding; and (3) an increase in unrestrained vehicle occupants. 

Let this be a lesson to all of us that just because there may be fewer people on the road, whether it be on a Sunday morning or during a pandemic, we should never let down our guard while driving!

Have You Been Injured In An Accident And Searching For A Personal Injury Lawyer?

No matter what day or time your accident happened contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Hammond, Lacombe, Pearl River, and Slidell.

I get it.  After a car wreck, you may be shaken up and achy, but you just don’t have time to go to the doctor.  “I’ll just take some Motrin and rest.”  You have a full-time job, kids to pick up from school, and just not enough time to deal with your own injuries.  “Hopefully I’ll feel better after a few days.”  If this is you, I understand.  But just know that if you don’t take time to properly document your injuries soon after an accident, the insurance company probably won’t give you credit for them later, even if you are really hurt and things get worse later.   

Insurance companies don’t take your word for it.

If your injuries are not documented in black and white in a medical provider’s records, the insurance company will not consider them in the adjustment of your insurance claim.  It doesn’t matter if you have been dealing for months with persistent back pain.  As the insurance company sees it, if your injuries weren’t bad enough to cause you to seek medical treatment, they aren’t serious enough to compensate. 

When you go to the doctor’s office, urgent care, the chiropractor, or to the emergency room, you will have several opportunities to document your injuries.  First, you will likely be asked to fill out patient forms, including a review of your current symptoms.  It is important to accurately complete these forms and list ALL of your current symptoms. 

When you meet with the medical provider or their staff, it is also important to describe ALL of your injuries, even if some seem minor in comparison. 

When the insurance company reviews your medical records, they should evidence all of the injuries you are claiming were caused or aggravated by the wreck.  The medical records will corroborate your reported injuries and help prove your claims. 

Make sure to list everything bothering you.

It is human nature to downplay our own injuries.  It is also typical for us to leave out what we may think to be minor symptoms when other, more major problems are bothering us.  For instance, if you suffer a right shoulder dislocation, your focus will be on that and you may fail to mention that your left ankle is also swollen. 

In a personal injury case (like a car wreck), it is important to list ALL of your symptoms to a medical provider, even if they seem minor.  That’s because if minor symptoms get worse over time, the insurance company may not believe that they are related to the car wreck if those symptoms were not documented soon after the accident.  For instance, if you report low back pain for the first time six months after an accident, the insurance company will have a hard time relating it to the wreck since it wasn’t documented soon thereafter.  This is the case even if you had low back pain immediately after the wreck and either didn’t see a doctor or failed to report it. 

Take pictures of your injuries.

It is true that a picture can say a thousand words.  If you have visible injuries, such as bruises, bumps, scrapes, road rash, stiches, or other wounds, take as many pictures and videos of them as necessary.  Do this during your entire healing process so that you can have a record of your injuries.  In some cases requiring wound care, photos can be important to prove the amount of effort that went into cleaning and dealing with your injuries, and any permanent scarring you may have. 

Keep a diary.

We provide a diary to all of our clients so that they can document their injuries, treatment progress, doctor appointments, missed work, and general wellbeing during their recovery.  Keeping a diary is a good idea, as it is important to memorialize how you are feeling in the moment, rather than trying to remember those details months or even years later.

Have You Been In An Accident And Not Sure What To Do?

If you were shaken up because of an accident and not sure what to do contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Hammond, Lacombe, Pearl River, and Slidell.

 

“I don’t want to waste anyone’s time, but I just don’t know if I need to hire you or not.” We hear this from potential clients on a consistent basis. 

How do you know if your case is “worth hiring an attorney?”

If you are wondering if you need an attorney for your car wreck case, they answer is “most likely, yes.”  We have an inherent sense of knowing if we are getting in over our heads, and a car wreck claim is no different.  It may start out simple enough – calling the insurance company to report claims, getting the police report, going to the doctor.  But it can soon become overwhelming and confusing.  Medical bills start coming in, your health insurance company is asking about the accident, insurance adjusters want to take your “recorded statement,” and your car repair and rental are not going as smoothly as you thought. 

All the while, you are trying to go about your normal life, but you have this nagging car wreck claim to deal with, sooner or later.  If this sounds familiar, you probably need to hire a skilled personal injury lawyer to help.      

Were you injured or “still don’t feel right” due to an accident?

If you were injured or received medical treatment because of a car accident, things like medical bills and insurance coverage can get complicated quickly.  Understanding the types of insurance claims you have and your rights to recovery are also important. 

Sometimes an insurance company will offer a quick settlement, typically along the lines of “medical bills” and a certain amount of additional money.  Here’s the problem:  Are they talking about your full medical bills, your out-of-pocket deductibles/copays, or how much your health insurance paid?  Also, what about future medical bills that might pop up?  How do you know how much they may cost?  If you have any of these concerns, it may be a good idea to contact a personal injury lawyer. 

A quick call can help answer your questions.

Believe it or not, in the first 30-seconds of a conversation with a potential client, we can usually tell if we would be of service to them.  A quick phone consultation can typically help answer important questions about your case, even if you don’t end up hiring us.  “Is this right?”  “Is the adjuster being reasonable?”  “How long does that normally take?”  “Why are they being so difficult?”  These are all common questions we can likely answer during a short initial phone call. 

We are 100% not pushy.

It is okay if we are not the right law firm for you or if you end up not needing our services.  If we can provide assistance with a quick call or consultation to help you navigate your car wreck claim yourself, that would be great!  While we may follow up with you to check on your progress, we will NEVER be pushy.  Quite simply, we want clients who hire us to be completely comfortable in our representation of them.   

Have You Been In An Accident And Don't Know If You Need A Personal Injury Attorney?

At Flattmann Law, we are not pushy.  If we are not right for you, or if you don’t need us, we will tell you! If you have been in an accident and have questions about your car wreck claim contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Hammond, Lacombe, Pearl River, and Slidell.

How long will this process take?  This is probably the most asked question we get from our clients.  The answer…it depends.  Insurance claims can take anywhere from a few weeks to several years to resolve, depending on a number of factors. 

How significant are your injuries?

Typically, we do not want to settle an insurance claim before our client is either fully healed from their injuries or comfortable with their future medical outlook.  Why?  Because insurance claims are valued in part based on the types of injuries incurred and the amount of time it takes to recover from those injuries.  Settling a case prematurely can sometimes limit the true value of an insurance claim. 

Are there limits on the amount of insurance coverage available?

In Louisiana, the state requires drivers to have minimum car liability limits of 15/30/25.  This means liability limits of $15,000 per person up to $30,000 per accident and $25,000 for property damage.  A majority of Louisiana drivers have minimum limits.  Unfortunately, this means that if you are seriously injured in a car accident, the person who caused the accident may very well have only $15,000 in insurance coverage available to cover your medical bills and general damages, like pain and suffering, lost wages, etc.  That’s not much considering that an ambulance ride from Hwy 190 to St. Tammany Parish Hospital alone can cost $3,000 and a hospital bill can cost another $2,000 to $8,000. 

Why does this impact how long an insurance claim takes?  If there is limited insurance available, the value of a major personal injury claim will quickly reach those limits.  At Flattmann Law, we keep insurance companies informed about our clients’ injuries and treatment.  As a result, when our clients’ claims reach policy limits, insurance adjusters often call us in an attempt to resolve those claims as quickly as possible. 

In major injury cases, while it is good news if the at-fault party has high limits of liability coverage, it also means that the claim may take longer to resolve.  In those cases, it is important for our clients to get to a point of maximum medical improvement before settling their case, and doing so can take time. 

Are there questions as to who is responsible for the wreck?

Insurance companies are experts at trying to pass the blame to the injured victim of an accident.  If the insurance company is refusing to accept responsibility (liability) for a wreck, we may have to take extra measures to prove our case.  This can be anything from conducting interviews of witnesses to hiring crash reconstruction experts.  Often, if an insurance company is refusing to accept liability, it requires the filing of a lawsuit and lawsuits can take a long time to finalize.

Have You Been In An Accident And Have Questions About How Long It Will Take Your Claim To Resolve?

If you have been in an accident and have questions about how long it will take to resolve your car wreck claim contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Hammond, Lacombe, Pearl River, and Slidell.

After a car wreck, it is generally a good idea to use your health insurance for medical treatment, including the hospital emergency room, general practitioner, orthopedist, and all other providers. That is because the at-fault party (or their insurance company) are not required to pay your medical bills as you incur them.  Rather, those bills should be included in any settlement you may reach in the future.  By going through your health insurance, you avoid racking up expensive medical bills and being directly responsible to providers. 

Your Health Insurance Carrier May Have A Claim For Reimbursement Out Of Your Settlement:

As discussed in other articles, it is very important to remember that your health insurance company likely has a claim for repayment of any medical expenses they paid out and will put their hand out for reimbursement out of any settlement you may get in the future.  You may even receive a letter in the mail from your health insurance company asking about the wreck. 

Why Is Health Insurance Refusing To Pay My Medical Bills?:

But why did your health insurance company refuse to pay or stop paying for car wreck-related medical bills?  This usually happens for one of a few reasons. 

First, if you ignored their letters asking questions about the accident, your health insurer may say that you are not cooperating with them under the terms of your insurance contract and will therefore refuse to pay for your medical expenses.  That’s why it is important to keep them in the loop during your car accident claim.

Second, sometimes a health insurer will stop paying medical bills when they believe you have other (primary) insurance to pay for those bills.  This may include medical payment (Med-Pay) coverage through your auto policy, or, if the accident is work-related, where workers compensation may be responsible for medical bills. 

If your health insurer is refusing to pay for wreck-related medical bills, it is important to get in touch with them to understand why they are refusing to pay.  If they incorrectly assume that you have Med-Pay coverage or that your claim is going through workers compensation, you will want to correct them. 

Have You Been Injured In An Accident And Your Health Insurance Is Denying To Pay Medical Bills?

If you have been injured in an accident and are having trouble with health insurance paying medical bills contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Hammond, Lacombe, Pearl River, and Slidell.

Sometimes, our clients receive nice little surprises long after their car wreck lawsuit has been resolved.  One of my favorite things to do is calling a client and letting them know that even more money is on its way to them. 

During the course of a lawsuit, the Clerk of Court typically collects money each time a pleading is filed and creates a balance for each party.  In a given lawsuit, there may be dozens of pleadings filed along the way. 

Sometimes, more money is collected than the actual cost.  For instance, if the Clerk estimates that they will need $100 for filing a Motion to Compel and the cost is actually $95, then a $5 balance will remain.  This can build up. 

At the end of a case, a Motion to Dismiss is typically filed, prompting the Clerk to make a final audit of any account balances.  If that results in a credit, the Clerk issues a check to the party’s attorney for a refund! 

When we receive a refund check from the Clerk, we immediately call our client to tell them.  It’s their money, not ours!  It is kind of like finding money in your pocket.

At Flattmann Law, We Offer Completely Free And Confidential Consultations!

Have you been injured in an accident and want a personal injury law firm that will help you every step of the way contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Hammond, Lacombe, Pearl River, and Slidell.