Teen auto accidents happen all too frequently in the U.S. and serve as the leading cause of death for U.S. teens, according to the Centers for Disease Control and Prevention (CDC). Those who are involved in these accidents often suffer serious injuries that can have short and long-term effects on them. If a teen was involved in an auto accident in Metairie, LA, they may be entitled to recover compensation for their injuries, however, their role in the accident could impact what they are able to collect.
Louisiana Follows At-Fault Laws
When a teen driver in Louisiana causes an accident, he/she is responsible for covering the damage they cause. Given the driver is properly insured, their liability insurance will pay for bodily injury and/or property damage that was sustained by the other driver as a result of the accident. Their insurance may also compensate them depending on the type of coverages that were purchased. For example, if the teen driver’s policy includes medical payments coverage, then he/she would be entitled to receive coverage for their medical expenses up to their policy limits.
Medical payments coverage will pay for medical expenses regardless of who is to blame for the accident, according to the Louisiana Department of Insurance. If the teen driver was carrying collision coverage, then he/she would also be entitled to have their vehicle damage repaired up to the limits that were purchased. It is worth noting that drivers in LA are not required to purchase medical payments coverage or collision coverage, therefore, if these weren’t purchased, coverage would not be available to a teen driver who was responsible for causing an accident.
What if the teen driver was not at fault?
If another party was responsible for causing an accident involving a teen driver, then the teen would be entitled to file a claim with that driver’s insurance carrier. Now, if the driver only purchased the minimum amount of insurance the state requires and it isn’t enough, the teen may be entitled to file a personal injury lawsuit that could potentially help them collect compensation for the following damages:
- Pain and suffering. This refers to the physical/psychological suffering the teen experiences after the accident.
- Lost wages. This applied if the teen was working prior to the accident but is no longer able to work.
- Loss of enjoyment of life. If the teen’s life has been altered and he/she is no longer able to do the things they once could (e.g. play sports, spend time with friends, etc.), they may be entitled to compensation for this.
- Medical expenses. This includes both past and future medical costs.
If a teen driver was recently involved in an accident in Metairie, LA and their parent is looking to recover compensation for the impact the accident has had on their physical and social life, they can contact Walker Daly LLP for legal help. The Metairie, LA personal injury lawyers at Walker Daly LLP can assess the incident and determine if, and how much, compensation should be awarded to the teen. To schedule a time to speak with a legal professional, call 504-832-0999.
Walker Daly LLP is located at:
3939 N Causeway Blvd., Ste 200
Metairie, LA 70002