Yes, although the amount of compensation you receive may be reduced by a percentage equal to your negligence. For example, imagine that you recover $100,000 in damages and are found to be 30% at fault for the accident. Your recovery, then, is reduced by $30,000 to $70,000. This is known as “comparative negligence.” Note that there must be at least one other party at fault for comparative negligence to take effect.

You have a couple of different options. You might first try to sue the other driver for damages. Depending on the extent of your losses and the value of the driver’s assets, however, going this route may not be the best option. Even if you win, chances are good that an uninsured defendant doesn’t have much in the way of money or assets.

The second option is to file an uninsured or underinsured driver claim with your own insurance company (assuming that you have uninsured or underinsured motorist coverage). If this is the case, you’ll need to check with your insurer about the specific terms of your policy.

With among the highest insurance rates in the country, Louisiana in 1997 instituted a ten percent rate decrease for automobile liability coverage. The rate reduction was accompanied by No Pay, No Play, which incentives motorists to buy liability coverage by limiting the ability of uninsured motorists to recover damages following a car crash. Under No Pay, No Play, uninsured motorists—even if the other party is 100% at-fault for a car accident—are not allowed to recover the first $15,000 for personal injury and $25,000 for property damage.. Certain exceptions apply, including accidents with an intoxicated driver, a driver who flees the scene of the accident, and a driver who intentionally causes the accident. As long as you carry at least the state minimum for liability auto coverage, you do not have to worry about No Pay, No Play.

Punitive damages are a money award given to an injury victim in addition to compensatory damages. Compensatory damages are “actual” damages—that is, they are designed to provide a plaintiff with money for things that were lost (e.g. medical bills, lost income, emotional harm) in their accident. Punitive damages, on the other hand, are designed to punish a defendant for an especially harmful act. In Louisiana, punitive damages can be awarded, but they are very restricted.  It isn’t a certainty that they will be awarded or in what amount.

While the driver of another motor vehicle is the most likely lawsuit target, other parties may also bear blame for an auto accident. So-called “vicarious liability,” for example, might apply to the actual owner of the vehicle if it is a company vehicle driven by an employee or a teen driver operating his or her parents’ vehicle. Another instance involving teen drivers has to do with dram shop laws, laws that place legal responsibility on establishments that sell liquor to minors (if it’s a drunk driving accident).

In cases where an automobile defect causes the accident, the vehicle manufacturer or repair shop could be held liable. A government entity could also be held liable if a road design defect caused the accident. So could an entity (say, a landscape company) that drops debris (say, equipment) on a roadway that leads to an accident. Similarly, the owner of a domesticated animal that runs loose and causes an accident could be sued.

As the passenger in a vehicle that gets into an accident, you may file a claim against the driver/owner of the vehicle you were in or the driver/owner of another vehicle involved in the accident—or both (assuming that each both parties share some blame for the accident). You would probably only pursue a claim against both parties’ insurers if a single party’s insurance is insufficient to cover your losses. If you are hesitant to file a claim against a friend or family member, keep in mind that their insurance company, not their personal assets—will be used to compensate you.

Even if you obtain legal counsel, the decision to accept a settlement offer is entirely up to you. Of course, if you do have a lawyer, he will be able to advise you on the fairness of a settlement. The inexperience of injury victims in dealing with settlement negotiations can sometimes lead them to accept an offer that on the face appears to fully compensate them, but actually does not.

No, particularly if your injuries and/or property damage are minimal. Most accident cases of this nature can be settled without a lawsuit being filed.

A lawsuit may become necessary if the regular insurance claims process fails to deliver a satisfactory settlement offer. In filing a lawsuit, you might gain some negotiating leverage by showing that you won’t hesitate to exercise your rights. Plus, once the case is in the hands of a jury, it is out of the hands of the insurance company, possibly putting the insurer at a disadvantage. The fact that you file a lawsuit doesn’t mean that a pretrial settlement is no longer possible. In fact, most cases end up settling before a court ever hears the case.

Statutes of limitations are laws that forbid legal action beyond a certain date. In Louisiana, the statute of limitations for personal injury cases is 1 year, meaning that 1 year from the date of your accident, you concede the right to file a lawsuit.