The days and months after suffering an injury due to the fault of another can be difficult on not only your physical health but also your financial well being. This is especially true if you are unable to get back to work due to the harm. Thankfully, Louisiana allows for recovery from the wrongdoer. Although [...]
Understanding the Limitations to Louisiana’s No Pay, No Play Law When a victim is injured in an auto accident, there may be an assumption that they have a right to recovery for those injuries. What many drivers in Louisiana do not realize is that a victim’s right to compensation for their injuries in an auto [...]
Amid Hurricane Season and following the aftermath of Hurricane Barry, it is a good time to remember that flood insurance is an important part of Louisiana home ownership. In Barry alone, flood loss for residential and commercial properties in Louisiana is estimated to be between $200 million and $400 million, including both storm surge and [...]
The purpose of insurance, of course, is to provide protection from damage caused by a possible risk. In exchange for the payment of a premium, the insurance company agrees to provide certain protections that are explained and defined in the policy that is purchased. Sometimes the government requires us to purchase certain insurance—like state required [...]
Does your insurance policy have an “Act of God,” or “Act of Nature” provision? An “Act of God” or “Act of Nature” provision generally refers to those “events outside of human control, like flash floods, earthquakes or other natural disasters.” While these provisions are admissible in several forms of contracts, they are not generally allowed [...]
Proper Planning May Help You In Case Of A Fire No one wants to endure the pain of a house or apartment fire. The aftermath of a fire can be emotionally taxing, however, proper planning can eliminate some of the stress. This blog is designed to assist homeowners and renters in case you ever find [...]
Your insurance company owes you a duty to settle your claims in good faith. Louisiana’s implied covenant of good faith and fair dealing is derived from the Restatement Second of Contracts and is expressly conveyed in LSA—R.S. 22:1973(A). LSA—R.S. 22:1973(A) provides that good faith and fair dealing are paramount to any insurer/insured relationship, and Insurers [...]
According to WBRZ, a homeowner is having trouble with her insurance company, which tells her it won't release her supplemental insurance money without an itemized receipt. There's only one problem: the person who might have that receipt is behind bars.Vanessa Clymer says it's been a year-long battle and she can't get her insurance company, ASI, [...]
According to WBRZ, the U.S. Senate has passed a four-month re-authorization of the National Flood Insurance program. The re-authorization protects more than 500,000 properties across Louisiana. The re-authorization ensures the program will run through the remainder of the 2018 hurricane season. “With this extension in place, we can tackle long-term reforms. The last time we [...]
We Louisianans know that Mother Nature can quickly destroy property. For that reason, many of us wisely find the appropriate type of insurance to cover unexpected events. But what happens if that bad day comes, and for one reason or another the insurance company, whom you have paid all of your hard-earned premiums to, decides [...]