Injury Law Firm



Located in Lafayette's Oil Center:
1021 Coolidge Boulevard
Lafayette, Louisiana  70503

Mailing Address:
P. O. Cabinet 52024
Lafayette, LA  70505-2024

Matt D. McConnell, Partner -

Matthew R. Reed, Associate -

Sandy Scott, Executive Assistant -

Rosalyn LaFleur, Paralegal -




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Auto Insurance - Part 1: How Much Liability Coverage is Enough?

Question: What is Automobile Liability Coverage? How much should we buy?

Short Answer: "Liability" is the legal word for money owed to others for the losses that we create through our mistake or through the mistake of someone, like a child or an employee, for whom we are responsible. Since driving a car is the most likely way we might cause injury to another by mistake, we should carry enough automobile liability insurance to protect our wealth and our future wealth in the unfortunate event that we cause serious and disabling injury to someone in a car accident.

Discussion: Driving is about THE most dangerous thing most of us will do in our lives, and chances are that we will be in more than one car accident. Because using cars for transportation is so important to daily living yet can be so dangerous, Louisiana requires that automobiles be insured against "liability".

Liability is the legal word for money legally owed to others for their losses that we create through our mistake or through the mistake of someone, like a child or an employee, for whom we are responsible. The state requires this insurance so that if we make a mistake in driving that results in harm to someone else, then the harmed person can sue and recover money to help remedy their losses even if we, as the liable driver who caused the harm, don't have assets (or don't wish to use our assets) to pay for it.

The state requires liability insurance coverage with limits of at least $15,000.00 per person per accident and at least $30,000.00 for all claims in any one accident; this is often referred to as "15/30", "minimum limits", or "legal limits" coverage.

When it comes to what other limits of liability insurance are available or should be carried, the sky is the limit. It is most important in our experience - in addition to meeting the state's minimum requirements - to carry enough liability insurance to protect your wealth in the unfortunate event that you cause a major accident that severely injures someone. You want to protect all those monies and net wealth you have worked so hard to save PLUS your future earnings and wealth, since all of this could be seized to satisfy a judgment against you. [Future earnings are subject to garnishment.]

AS IMPORTANT as liability insurance is carrying the additional but relatively inexpensive coverage called uninsured motorist [aka "UM"] coverage, which protects us in the event we are injured by a negligent driver who has no insurance or not enough insurance to cover our losses. Moreon UM coverage in our next update!

As always if you have any questions or concerns about insurance or auto accidents, just give us a call and ask to speak with one of our attorneys. Our attorneys are glad to help! And remember: initial consultations for accident cases are FREE! And in most cases there is no out of pocket charge!


Proud to Serve 

We are grateful and proud to serve the people and businesses of Acadiana, from Lafayette, to Opelousas and St. Landry, to New Iberia and Iberia, to Abbeville and Vermilion, to Breaux Bridge and St. Martin. We couldn't ask for better clients!


Free Consults for Injury Cases! Call 347-6404 to Schedule

At McConnell Law Offices you pay nothing to consult with us about your accidental injury. And you won't pay us anything in an accidental injury case unless we recover for you!

Call us to make a free appointment to discuss your accidental injury. When you leave our office, you'll have a plan. Call 347-6404 and choose extension #1!


What To Do About a Car Accident

It happens. You are driving or riding along and - BAM! - you are in a wreck. Now what?

First, breathe. Now check your safety and that of the other occupants of the vehicles. Call 911 to report the wreck and any injuries.

DO NOT LEAVE THE SCENE OF THE ACCIDENT unless you are injured and in need of immediate attention. (And even if you do need immediate medical attention, in most cases you will get help most quickly by waiting at the scene for first responders to arrive. Thank you, medics and firemen!) But in any event use your judgment and take care of yourself and others as the circumstances dictate.

Now everyone who needs immediate medical attention has it. What next? We recommend taking note of the witnesses to the accident, especially those eyewitnesses who might help the police appreciate what you have just experienced. If you let them drive off without talking to the police and leaving contact information, there goes your witness.

Check in with the investigating police officer or deputy, identify yourself, and tell them what happened. This is your chance to explain your experience in the accident, and it will most likely make it into the accident report in some form. You should ask to write a statement so your own words will be in the report instead of the officer's summary.

If you are unable to write because of your injuries or shock, or if you are not a good writer, ask the officer how you can provide a statement later.

The officer will want to see drivers' licenses and vehicles' proofs of insurance and registration. And he should provide you with insurance information on the at-fault vehicle and how to contact him to get your accident report (typically ready in a few days to about a week).

After an accident you may have a wrecked car, injuries, lost time, and even a ticket (whether you feel it is rightly deserved or not). If you want professional experienced help getting the relief you need and deserve, call McConnell Law Offices.

We'll help you navigate the insurance and medical-legal issues that pop up after a wreck.

It's what we do. And we'd love to do it for you. Call us at 337-347-6404. We can help!



Summary of Federal Flood Relief for LA's Victims