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Can I recover damages if I am not at fault for an accident but I do not have car insurance? Yes. You can recover damages without having valid car insurance. However, you will not be entitled to the first $15,000 in bodily injury damages and the first $25,000 in property damage as a result of your accident. La. R.S. 32:866. EXAMPLE 1: If your bodily injury damages are valued at $30,000 and you did not have valid car insurance at the time of ...

Car accidents can be sudden, traumatic experiences regardless if you have been involved in one before. There are some simple rules to follow to ensure you are in the best position if an insurance claim is made. After the accident: Check yourself and your passengers for injuries, visible or not. Call or have someone at the scene call for assistance. Document everything at the scene: Take photographs/video of the property damage and visible in...

The answer to this question depends on a few things. First, it depends on whether you were at fault for the accident. If you were at fault, your insurance rates have the potential to go up since your safety rating has gone down. Conversely, if you are not at fault for an accident, your rates still have the potential to go up. Why is that? Well, if you make a claim on your car insurance for property damages, this may still be viewed as a &ldquo...