McCONNELL LAW OFFICES 
Injury Law Firm

337-347-6404

 

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, Founder - Matt@McConnellLawOffices.com

Sandy Scott, Executive Assistant - Sandy@McConnellLawOffices.com

Rosalyn LaFleur, Paralegal - Rosalyn@McConnellLawOffices.com

  

 
    

 

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Saturday
Dec162017

Making Life in Acadiana Safer

Our legal system's approach to injury cases in Louisiana and America helps to repair harms suffered due to mistakes while also motivating positive change to avoid future harms. We recently ran across a great example of this in our practice.

In October 2016 one of our clients was pushing her family member in a wheelchair from the parking lot onto the sidewalk at a favorite restaurant. Due to a defective ramp [pictured here you can see it had unsupported edges and a deteriorated, rough transition from the parking lot] the wheelchair fell over and our client fractured two vertebrae and aggravated a lumbar disc trying to prevent injury to her mom.

Sometimes life turns on a dime, and it happened just that fast: one second you're pushing mom up the ramp, the next second there's a fall and you are on the ground with a broken back.

Due to the abundance of good, quality medical care in Acadiana, and with fortune smiling upon her, our client is fine today. We were fortunate to utilize Louisiana's laws to recover her medical expenses and a tidy sum for her pain, suffering and inconvenience. And to top it all off we came across a great improvement at the site of the accident.

As you can see in these before and after pictures great improvements were made that will prevent such an accident happening again. Now the ramp is inset so wheelchair tires can't fall off the sides of the ramp. And the transition from the parking lot to the sidewalk is smooth so the chair will glide effortlessly onto the sidewalk. If only this had been remediated a year earlier.

Oftentimes what we hear from insurers and trade groups in the media is that injury lawsuits are abused, people are swindling the system, and it just runs up costs. Well people like insurers and trade group members who are often called upon to pay for their mistakes would say that, wouldn't they?

Much more often of course the reality is that people with actual injuries suffer great life disruptions - bodily, financially, emotionally, etc. And usually such injuries were wholly avoidable if someone had just not made a mistake like running a red light or leaving a spill on the floor too long.

 

 

Monday
Dec112017

Acadiana Auto Accident Attorney

Car, Motorcycle and Truck Accidents make up a significant portion of Louisiana bodily injury and wrongful death claims, but even so they cannot be considered routine.

Each accident must be investigated to establish case specifics. Victims of car accidents are entitled to compensation for their harms, which may include property damage, injury/death, medical bills, lost wages, pain and suffering, loss of enjoyment of life, disability and disfigurement.

Our experience in Louisiana automobile accident and insurance litigation is extensive. We are practiced at assessing the physical principles of accidents, the medical evidence used to evaluate and treat injuries, and the economic and accounting principles required to evaluate losses.

Uninsured / Underinsured Motorist Coverage

If the driver who harmed you has no insurance or is underinsured, you may be able to pursue a claim for un- or under-insured motorist benefits with your own or a family member's insurance company (and by law it will not affect your premiums if you were not at fault in the accident!) Unfortunately even your own insurance company may seek to underpay, delay or deny your claim. Let us help you obtain a proper settlement from your insurance when no other avenue exists to fairly compensate injuries and losses that were not your fault.

Monday
Nov202017

We help the little guys! 

Thank you, Acadiana!!
McConnell Law is 8 years old!
With 21 years of legal experience, we couldn't be more grateful for our clients and employees!
In a perfect world lawyers wouldn't be necessary.
Until then we are happy to level the playing-field for clients in injury, business and other disputes.
We help the little guys! 

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


Right now we remind everyone to be careful if you fry a turkey this week.

NEVER fry a turkey inside or under a roof.

NEVER fry a frozen turkey. We've seen a turkey-fireball before; it will take a house out in no time flat!

Monday
May082017

Auto Insurance Part 2: UM or Uninsured Motorist Coverage

Question: What is Uninsured or Underinsured Motorist [aka "UM"] insurance coverage? How much should we buy?

Short Answer: In short, UM coverage protects us against injuries, harms, and losses caused by negligent drivers who don’t carry any, or don’t carry enough, liability insurance adequately to compensate our losses from an accident. Limits are available in amounts up to the limits of liability coverage you purchase.

State Requirements: Driving is about THE most dangerous thing we do with our daily lives, and chances are likely we will be in more than one car accident. Chances are also pretty good that we will be in an accident with a driver who has failed to secure liability insurance altogether or who has a little liability coverage but not enough to pay for our losses.

So "UM", also known as "uninsured” or “underinsured” motorist, insurance protects us in the unfortunate event that we ourselves are injured in an auto accident due to the mistake of someone who does not have any, or does not have enough, liability insurance to pay for our losses.

Because driving is so important to daily living yet can be so dangerous, Louisiana requires that automobiles be insured against "liability" [for more on “liability insurance,” see our previous post]. In contrast, the state does not require drivers or auto owners to buy UM insurance. But in order to issue a liability policy, the state does require auto insurers to provide UM insurance in an amount equal to liability limits, UNLESS we affirmatively decline or choose a lesser amount of UM insurance when we buy our policy.

Buying UM coverage is an additional cost. But the coverage is a relatively cheap addition to the liability premium. And if you are injured or killed in an accident by someone with no or only very little liability insurance, the extra protection provided by UM coverage - against the loss of income due to disability or death, the expense of health care or burial, and/or the pain, suffering, aggravation, and inconvenience of being injured and relying/imposing on others – may be priceless.

As a result of accidental injuries in which there is not enough insurance to compensate an injured person for their losses, the injured person can be transformed from a worker into a ward of the state. UM coverage helps to avoid that nightmare.

When it comes to what limits are available for UM coverage, the sky is the limit, though typically UM limits will not exceed liability limits. It is most important in our experience to carry enough UM insurance to protect your health and your wealth in the unfortunate event that you are injured in a major accident that severely injures you and you are no longer able to provide for yourself or others.

AS IMPORTANT as liability insurance is carrying the additional but relatively inexpensive coverage that protects you in the event you are injured by a negligent driver who has no insurance or not enough insurance to cover your losses. Consider buying some "UM", "UIM", "Uninsured motorist coverage", or "Underinsured motorist coverage" to give you extra protection.

Thursday
Apr132017

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!