According to J.D. Power 2020 survey, homeowner's insurance claims satisfaction is higher than ever - a total of 88% - are satisfied with how their insurance underwriters handled their property insurance claims. The information above should read as great news for homeowners, but unfortunately, it is not 100 percent.  There are so many ways things can go wrong during a homeowners' insurance claim, and worse yet, there are dishonest tactics used by some insurers to try to sway an adjuster filing away from the homeowners' favor.
 
To keep your homeowner's claim on-track and under control, you may want to consider working with an insurance claims attorney from the start. 
 
An insurance claims attorney can help you with:
 
Expediting processes
Some insurance companies knowingly delay processing your claim.  This strategy is an attempt to wear on your patience with the process and perhaps encourage you to take a lower-settlement amount rather than delay payment by challenging the assessment.  A knowledgeable insurance claims attorney has countermeasures to encourage an insurer to act in a timelier manner.  Most notably, suggesting the use of litigation often puts the process back in motion.

Appealing denials
Homeowners' insurance claims are wrongfully denied and routinely.  Sometimes denial is based on bad or insufficient information, and other times it is the first defense of a bad faith insurer.  While you may challenge a denial by yourself, an experienced trial attorney will challenge the denial with an informed appeal, noting the potential of a lawsuit if the underwriter acts in bad faith.
 
Negotiating settlements
If you have done a little homework on replacement value, you will probably notice a lowball settlement offer.  Insurance companies will often propose a settlement below the claim's value, hoping you will accept it out of fear of receiving nothing at all or ignorance.
An experienced insurance claims attorney will know what a claim is worth and will act on your behalf to ensure your settlement is commensurate. 
 
Knowledge is key to success
Insurance companies expect layman not to know much about insurance claims process.  Surprise them by being prepared for the process should a dispute arise.
 
The first step is to discover the primary cause of the dispute by reviewing your initial claim and your insurer's responses.  Have copies of all relevant email communication, paperwork, and statements in chronological order.
 
Consult with an attorney as early in the insurance claims process as possible. 
An experienced Lake Charles insurance claims attorney can tell you whether you need assistance or not.  If you do need assistance, you will be glad you retained one early.  

If you have a substantial claim, as is usually the case with hurricane and flood damage, you will want a lawyer leading the way, especially if your insurer is offering a value substantially lower than your calculations.  Now, if the settlement is relatively close to the replacement value and you can afford to make up the difference, you may want to consider accepting the settlement to save time and begin the recovery process.   

If your home was severely impacted by Hurricane Laura call the insurance claims attorneys at Lundy Lundy Soileau & South for a free initial evaluation.  We have successfully settled hundreds of business and home insurance claims for Lake Charles residents during Hurricane Rita.

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Motorbikes account for about 3 percent of registered vehicles in the U.S. However, motorcycle riders are involved in approximately 15 percent of all traffic-related fatalities.  In addition, recent reports show that motorcyclists are 26 times more likely to be involved in a fatal accident than passenger vehicle drivers.

Louisiana Motorcycle Laws
The statistics are frightening for bike riders.  Unfortunately, news outlets in Louisiana often report on lives lost in catastrophic motorcycle accidents.

Fortunately, Louisiana motorcycle laws are intended to keep motorcycle riders as safe as possible. If you plan to buy a motorcycle or you've recently purchased one, it's vital you understand Louisiana's motorcycle laws before hitting the road.  These laws must be observed, as they are intended to mitigate the risk of injury and save lives.

Below we have shared what you need to know to safely and legally ride a motorcycle in Louisiana.

Motorcycle inspection and licensing
Motorcycle riders are required to secure a motorcycle endorsement from the Louisiana Office of Motor Vehicles before hitting the road.   A motorcycle endorsement is included on your primary driver's license after passing a motorcycle knowledge and skills test.  Your motorcycle needs to be inspected within 40 days of purchase and you will need to pay the applicable taxes before registering your bike.

Helmet laws in Louisiana
Louisiana law requires both operators and passengers wear suitable helmets while the motorcycle is moving. Under LA R.S. 32:190, appropriate and approved protective gear is defined as having:

1. Adequate padding designed to weaken the force of a head collisions
2. Lining for comfortable around the head
3. A protective visor for the eyes
4. A secure chin strap that holds the helmet to the rider's head

The helmet is a life-saving device.  Countless studies show that wearing a helmet can reduce the risk of serious head injuries by nearly 70 percent and fatality by 42 percent.

Eye protection laws
Riders do not necessarily need to be involved in a collision to injure their eyes.  Tires from other vehicles are known to pick and throw road debris.  If road debris makes its way into your eye while traveling at high speeds, it could restrict or damage your vision and ultimately end in an accident.

Louisiana law (LA R.S. 32:190.1) requires protective eye gear if your motorcycle does not have a windshield high enough to protect your face fully.  In addition, it is illegal to use tinted protective eye-wear at night.

Traffic lane Laws
Per LA R.S. 32:191.1, motorcycle operators have full rights to use of traffic lanes.  However, motorcycle operators may not ride side by side in a single lane (aka two abreast in a single lane).  It is against the law for a passenger vehicle to deprive you of the full use of the lane.

In addition, it is illegal for a motorbike rider to:

1. To deprive a passenger vehicle of full use of their lane, you may not pass in the same lane a passenger vehicle occupies.  The only exception is a police officer performing official duties.  
2. Operate your motorcycle between traffic lanes or between rows of passenger vehicles
3. Operators may not carry anything that prevents them from the use of both hands on the handlebars
4. When driving the motorcycle, drivers and passengers must straddle the bike, meaning one leg on each side of the bike and forward-facing.

Footrest and handlebar laws
Louisiana law (LA R.S. 32:191.3) provisions dictate that a motorcycle operator and passengers have a footrest.  Additionally, your handlebars must fall below or level with your shoulders when seated on the motorbike.  This law is intended to ensure control of the motorcycle; handlebars higher than shoulder height makes maintaining control more difficult.

Riding with children
Perhaps you are thinking you would like to share the open road experience with your child.  Unfortunately, Louisiana law (L.A. R.S. 32:191(E)) prohibits riding with children who legally must be secured in a child safety seat.  To ride a motorcycle in Louisiana, a child must be five years or older, fit properly in the passenger seat, and wear an appropriately sized helmet.

Seating requirements
According to Louisiana motorcycle law provisions L.A. R.S. 32:191, your motorcycle should have a permanent and a uniform seat (if intended for two passengers).  Seating can be a single seat with a capacity of two riders.  Additionally, passengers can only ride on bikes designed for passengers.

Injured in a motorcycle accident while obeying Louisiana motorcycle laws?
While Louisiana motorcycle laws are intended to protect riders' from accidents, accidents still occur.  Generally, accidents happen when passenger vehicle drivers act negligently.  If you are injured in an accident due to another driver's carelessness, you have the right to compensation for the damage they caused. 

Contact Lundy Lundy Soileau & South's personal injury attorneys in Lake Charles at (337) 439-0707 to request a free case evaluation by a trusted Lake Charles motorcycle accident lawyer.

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