Houma Automobile Insurance Policy Lawyer

Automobile Insurance Policy Attorney in Houma, LA

It can be hard to anticipate the financial and physical fallout of a car accident until it happens to you. At that time, you may be thankful that you have auto insurance. While every driver in Louisiana is legally required to have some form of auto insurance, it doesn’t make the claims process any less confusing. It may be wise to have experienced legal help. A Houma automobile insurance policy lawyer can oversee your claim and protect you.

The legal team at Hammond Law Firm, LLC understands your position. Dealing with the legalities of an automobile insurance policy case can be difficult, especially if this is the first time you’ve been in an accident.

Having a Houma automobile insurance policy attorney in your corner can make all the difference, especially as you’re navigating the state’s automobile insurance policy laws. The more help you have, the easier it can be to avoid being taken advantage of.

Why Should You Hire an Automobile Insurance Policy Lawyer?

If you are seriously injured in a car accident in Houma, you will most likely be taken to either Terrebonne General Health System or Leonard J. Chabert Medical Center. Both of these facilities offer comprehensive emergency care services and are prepared to help stabilize you to benefit your recovery.

Be sure to gather as much medical documentation as you can get, as well as photos of your injuries and the damage to your car. You’ll need it for your insurance claim.

It’s recommended that you hire an automobile insurance policy lawyer whenever you find yourself dealing with the aftermath of a car accident. You should contact a Houma car accident lawyer as soon as possible after the accident. According to recent data from CARTS, there were over 146,000 car accidents in Louisiana in 2024 and over 700 injury crashes just in Terrebonne Parish that same year.

Here are some ways your lawyer can help after your accident:

• Recording your injuries. Being injured in a car accident can be traumatic, emotional, and life-changing. At the very least, you may want to pursue damages from the other driver for causing them. A car insurance lawyer can help you document your injuries, build a strong case, and make sure all of your medical costs, property damages, lost wages, and pain and suffering are all included in your claim.
• Insurance tactics. Insurance companies are not your friends in situations like this. You have to be careful not to admit any fault for the accident to your insurer, as that could seriously damage your opportunity to seek damages. Between January and August 2025, Louisiana auto insurers filed over 20 rate decreases due to a lack of accidents, according to the Louisiana Department of Insurance.
• Disputed liability. It’s entirely possible that the other driver involved in the accident is blaming you for causing it. If that happens, you’ll want an insurance lawyer on your side to act on your behalf and negotiate with their insurance company. If the accident was the result of a hit-and-run, it can be difficult to track down the perpetrator to hold them liable for the accident. Your lawyer can help you figure out alternative options to seek damages.
• Wrongful death. In the ultimate worst-case scenario, someone was killed in your accident. If you wish to pursue a wrongful death claim, or if a wrongful death claim is made against you, you want an experienced insurance lawyer in Houma to monitor the situation and handle the complexities of what comes next.

FAQs

How Long Does an Insurance Company Have to Settle a Car Insurance Claim in Louisiana?

In most cases, an insurance company in Louisiana has 30 days to settle an undisputed and valid car accident claim. Once a formal agreement is reached, insurers have to issue payment within 30 days to avoid any potential penalties or additional legal fees. Insurers are required to act with reasonable promptness to start investigating after a claim is filed. By hiring a lawyer, you may be able to expedite the process by having them communicate with the insurer.

Does Car Insurance Provide a Lawyer?

Car insurance does provide a lawyer if somebody takes legal action against you after a car accident. They will most likely provide you with a lawyer as part of your liability coverage. Your insurer may be legally required to defend you against any legal claims made against you because of the accident. If you were injured and were seeking your own damages, you would hire your own Houma personal injury lawyer to handle that case.

What Do I Do if a Car Insurance Company Is Acting in Bad Faith?

If you believe that your car insurance provider is acting in bad faith, you should document those interactions and take them straight to an automobile insurance policy lawyer. Your lawyer can review your policy, identify exactly where the company acted in bad faith, and spearhead a legal claim against them to protect your interests. You may also want to file a formal complaint with the Louisiana Department of Insurance. Never accept a lowball settlement offer.

What Shouldn’t You Say to an Insurance Claim Adjuster?

There are many things you should never say to an insurance claim adjuster. Primarily, you should never admit fault. Don’t say anything that could be misconstrued as an admission of guilt. Even apologizing can be seen as accepting partial blame. Additionally, don’t lie to the adjuster and don’t speculate. Be totally honest with them about what happened. If possible, have your lawyer speak to them on your behalf just to be safe.

Reach Out to an Automobile Insurance Policy Lawyer Today

When you are struggling with the aftermath of a car accident, the last thing you should have to worry about is your insurance policy. For nearly 40 years, the team at Hammond Law Firm, LLC has helped countless clients navigate situations just like yours.

We’ve earned numerous commendations, including recognition from Super Lawyers.* Contact us to speak to someone who can assist you in building and protecting your case.

**Awards and recognition are not guarantees of future results. Selection criteria vary by organization.