When accounts of the crash differ
A driver’s account, an insurer’s assessment, and a crash report do not always tell the same story. Photographs, dashcam footage, witness statements, and the location of vehicle damage help establish what happened.
Richardson Law Group handles vehicle-injury matters from Covington, including collisions involving drivers, passengers, motorcyclists, pedestrians, and cyclists. Whether the crash occurred on I-12, U.S. 190, or a neighborhood street, start with the date, exact location, and any report number.
Keep the records behind your claim.
- Original photographs and video of the scene, vehicles, and visible injuries.
- Witness names and contact details.
- Crash-report information and insurance correspondence.
- Medical bills, treatment records, and receipts.
- Wage records and dates missed from work.
Preserve original files and relevant messages. Do not put yourself at risk to gather evidence.
Insurance coverage and settlement offers
Liability insurance, an employer’s policy, and uninsured or underinsured motorist coverage raise different issues. The policy language and the facts of the collision determine which coverage applies.
If an insurer requests a recorded statement, medical authorization, or release, get advice about your obligations and the document’s effect before responding. Tell the office about any deadline.
Disputed fault in Louisiana
Louisiana changed its comparative-fault law effective January 1, 2026. Under the amended rule, negligence of 51% or more bars recovery; below that threshold, damages are reduced in proportion to the injured person’s negligence. The applicable law depends on the claim and relevant dates. An insurer’s initial position is not a court’s determination.
See Louisiana Civil Code article 2323. Ask a lawyer how the rule applies to your circumstances.