Car Accident Injury Claims in Louisiana

Before your car accident, words like “personal injury,” “statute of limitations,” and “lawsuit” were just legal jargon with no real place in your life. Now, you suddenly find yourself combing through article after article trying to find clear answers to a very simple question: “How do I get the money I need to recover from this car accident?”

My name is John Bruscato, and I’m a personal injury attorney in Monroe, Louisiana. Please allow me to make your life a little easier by giving you the facts you need to get through the car accident claim process as painlessly as possible.

Two Ways to Get Paid: Lawsuits & Car Insurance Claims

After a car wreck, there are two main avenues you may need to explore in order to get compensated fairly: car insurance claims and personal injury lawsuits. Before you ask, no — filing a lawsuit is not the same as filing a car insurance claim. Put simply:

  • Car insurance claims are what happen after you notify your insurance company of your accident. In a perfect world, filing such a claim would result in your insurance provider promptly handing over the money you need to cover your medical bills, property damage, and related costs caused by the accident.
  • Personal injury lawsuits give you the opportunity to pursue monetary compensation from the person responsible for the accident and, therefore, your resulting injuries. (Generally, it’s that person’s insurance provider who actually foots the bill in the event that you win the lawsuit.)

If your insurance provider is supposed to cover the costs of your accident, you may be wondering why you’d ever want or need to file a lawsuit in the first place. Allow me to explain.

Why File a Personal Injury Lawsuit?

Insurance providers in Louisiana (and throughout the U.S.) are notorious for finding ways to pay their clients as little as possible after a car accident. If you don’t approach your case the right way, your provider may offer you far less than your case is worth or — even worse — deny your claim altogether. Filing a personal injury lawsuit (and/or a property damage lawsuit) can be a very smart way to:

  1. Show the insurance company that you mean business and
  2. Drastically increase your chances of getting fairly compensated.

Unsurprisingly, many accident victims who are offered a settlement from their insurance provider don’t realize how unfair it is until after they’ve already accepted it. As their bills pile up, they discover that the initially great-sounding offer was actually a huge underestimation of the costs they’d be facing over the coming months or even years. Please avoid making that mistake by consulting with an experienced car accident attorney (for free!) before accepting any offers from the insurance company.

Louisiana’s One-Year Time Limit

While filing a lawsuit may not be your first instinct after a car wreck, please recognize that Louisiana operates under a one-year time limit (also called a “statute of limitations” or “liberative prescription”). In other words, you have one year from the date of your accident to file a personal injury lawsuit.

One year may sound like a lot of time now, but trust me — this isn’t something you want to put off until the last minute. Please take advantage of a free consultation with me to determine whether filing suit is the right move to make for your case.

Contact Bruscato Law Today

Recent studies reveal that each year, about three million people are injured in car accidents on U.S. roads. While my firm may not be able to change that statistic, I have made it my personal mission to at least help those afflicted by it.

If you or a loved one has been hurt in a car accident in the Monroe, Louisiana area, please don’t hesitate to give me a call or set up a free consultation online. With me by your side, the insurance company will have an awfully hard time lowballing you. And, as an added bonus, you won’t owe me a dime unless I win your case.


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