What to Do After a Car Wreck in Covington, Louisiana: Your Complete Legal Guide

The Reality of Car Accidents in Our Community

Louisiana continues to face significant challenges when it comes to traffic safety. In 2024, the state recorded 652 fatal crashes resulting in 699 fatalities. While this represents a decrease from previous years, Louisiana’s fatality rate remains above the national average. Our state experienced over 37,000 suspected injury crashes in 2024 alone—that’s more than 102 injury crashes every single day.

Right here in St. Tammany Parish and Covington, we’ve seen our share of devastating accidents on local roads like Highway 36, Highway 437, and I-12. These aren’t just statistics—they represent our neighbors, family members, and friends whose lives have been changed forever.

Common Causes of Car Wrecks in Covington and St. Tammany Parish

Understanding what causes accidents in our area can help you build a stronger case if you’ve been injured. The most common causes of car wrecks in Louisiana include:

Distracted Driving

Louisiana now ranks third in the nation for distracted driving rates. Whether it’s texting, eating, adjusting the radio, or other activities that take attention away from the road, distracted driving has become one of the leading causes of accidents in our state. In fact, experts note that distracted driving now surpasses impaired driving in both frequency and danger.

Driving Under the Influence

Alcohol-related crashes remain a serious problem throughout Louisiana. In 2024, New Orleans alone saw over 500 accidents attributed to alcohol. St. Tammany Parish has also experienced numerous drunk driving incidents, with devastating consequences for innocent victims. Louisiana has a particularly high rate of drunk drivers involved in fatal accidents compared to most other states.

Speeding and Reckless Driving

Nearly one-third of all crash deaths in Louisiana are the direct result of exceeding the speed limit. While our highways’ relative flatness and straightness might make it tempting to speed, excessive speed dramatically increases both the likelihood of a crash and the severity of injuries when accidents occur.

Weather and Road Conditions

Louisiana’s unpredictable weather can create hazardous driving conditions quickly. From sudden rainstorms to fog along the Causeway, our local weather patterns contribute to many accidents. If you’re unfamiliar with how rapidly conditions can change in our area, you may be at increased risk.

Unrestrained Occupants

In 2024, 261 people who were not wearing seat belts were killed in Louisiana crashes. Proper restraint use is crucial for minimizing injuries in an accident, yet far too many drivers and passengers still fail to buckle up.

What to Do Immediately After a Car Wreck

The moments following a car accident are critical. Here’s what you need to do to protect yourself and your legal rights:

1. Ensure Safety and Call 911

First, check yourself and others for injuries. If anyone is hurt, call 911 immediately. Even if injuries seem minor, it’s essential to have law enforcement respond to the scene and create an official police report.

2. Document Everything

If you’re able to do so safely, take photographs of:

• All vehicles involved and their damage
• The accident scene from multiple angles
• Road conditions, traffic signs, and signals
• Visible injuries
• License plates and vehicle registration information

3. Exchange Information

Get the other driver’s name, contact information, driver’s license number, insurance company, and policy number. Also collect contact information from any witnesses.

4. Seek Medical Attention

Even if you feel fine, see a doctor as soon as possible. Some injuries, like whiplash, concussions, or internal injuries, may not show symptoms immediately. Delaying medical treatment can harm both your health and your legal claim.

5. Report the Accident

Louisiana law requires you to report any accident that involves injury or property damage. Since the accident occurred in Covington, you should report it to the Covington Police Department. This report is crucial documentation for your claim.

6. Contact a Personal Injury Attorney

Before speaking with any insurance company, consult with an experienced car wreck lawyer. Insurance adjusters are trained to minimize payouts, and anything you say can be used against you.

Understanding Louisiana’s Car Accident Laws

Statute of Limitations

Time is of the essence when pursuing a car accident claim in Louisiana. As of July 1, 2024, the statute of limitations for personal injury lawsuits has been extended to two years from the date of the accident. However, if your accident occurred before this date, you may only have one year to file.

It’s crucial to understand that this deadline is strict. If you miss it, you will likely lose your right to seek compensation through the courts forever. Don’t wait—insurance companies often use delays against you, questioning the severity of your injuries or your commitment to pursuing the claim.

Louisiana’s Direct Action Statute

Louisiana is unique in that it allows injured parties to sue the at-fault driver’s insurance company directly, rather than having to sue the driver first. This Direct Action Statute can expedite the claims process and often results in more favorable outcomes for accident victims.

Pure Comparative Fault

Louisiana follows a “pure comparative fault” system. This means that even if you were partially at fault for the accident, you can still recover damages. However, your compensation will be reduced by your percentage of fault. For example, if you’re found to be 20% at fault and your damages total $100,000, you would receive $80,000.

Minimum Insurance Requirements

Louisiana requires drivers to carry minimum liability insurance with the following limits:

• $15,000 for bodily injury per person
• $30,000 for bodily injury per accident
• $25,000 for property damage

Unfortunately, these minimum amounts are often inadequate to cover serious injuries. Many at-fault drivers carry only the minimum coverage, which can limit your recovery. This is why it’s essential to have an experienced attorney who knows how to maximize your compensation through all available sources.

Types of Compensation Available to Car Wreck Victims

If you’ve been injured in a car accident in Covington or St. Tammany Parish, you may be entitled to various types of compensation:

Economic Damages

• Medical Expenses: All current and future medical bills related to your injuries, including emergency care, hospitalization, surgery, physical therapy, and rehabilitation
• Lost Wages: Compensation for time missed from work due to your injuries
• Lost Earning Capacity: If your injuries prevent you from returning to your previous occupation or earning the same income
• Property Damage: Repair or replacement costs for your vehicle and personal belongings damaged in the crash

Non-Economic Damages

• Pain and Suffering: Compensation for physical pain and discomfort caused by your injuries
• Emotional Distress: Anxiety, depression, PTSD, and other psychological impacts of the accident
• Loss of Enjoyment of Life: Inability to participate in activities and hobbies you once enjoyed
• Disfigurement and Scarring: Permanent physical changes resulting from your injuries

Why You Need a Covington Car Wreck Lawyer

Navigating the aftermath of a car accident is complex, especially when you’re trying to recover from injuries. Here’s why working with a local Covington personal injury attorney makes a difference:

Local Knowledge and Experience

As a Covington-based attorney, I understand the unique characteristics of accidents in St. Tammany Parish. I’m familiar with local roads, common accident locations, area hospitals, and the local court system. This knowledge is invaluable when building your case.

Dealing with Insurance Companies

Insurance adjusters are not on your side. Their job is to pay as little as possible. Having an experienced attorney handle all communications with insurance companies protects you from tactics designed to undervalue or deny your claim.

Accurate Valuation of Your Claim

Many accident victims don’t realize the full extent of their damages. An experienced attorney knows how to properly calculate not just your current expenses, but also future medical costs, lost earning capacity, and appropriate compensation for pain and suffering.

Investigation and Evidence Gathering

Building a strong case requires thorough investigation. This includes obtaining police reports, medical records, witness statements, accident reconstruction analysis, and expert testimony. An attorney has the resources and experience to gather compelling evidence on your behalf.

Litigation Experience

While many cases settle out of court, some require litigation. If your case goes to trial, you want an attorney with courtroom experience who can effectively present your case to a judge and jury.

Common Car Wreck Injuries We Handle

Car accidents can result in a wide range of injuries, from minor to catastrophic. Some of the most common injuries we see include:

• Whiplash and Neck Injuries: Damage to soft tissues in the neck from the sudden impact
• Back and Spinal Cord Injuries: Herniated discs, fractures, or paralysis
• Traumatic Brain Injuries: Concussions or more severe brain damage
• Broken Bones and Fractures: Arms, legs, ribs, pelvis, and other fractures
• Internal Injuries: Damage to organs that may not be immediately apparent
• Lacerations and Scarring: Cuts from broken glass or impact with vehicle interior
• Psychological Trauma: PTSD, anxiety, and depression following the accident

The severity of your injuries will significantly impact the value of your claim. This is why immediate and ongoing medical treatment is so important—both for your health and for documenting your injuries.

Frequently Asked Questions About Car Wrecks in Covington

How much does it cost to hire a car wreck lawyer?

Most personal injury attorneys, including our firm, work on a contingency fee basis. This means you don’t pay anything upfront, and we only get paid if we recover compensation for you. Our fee comes as a percentage of your settlement or verdict, so there’s no financial risk to you.

How long will my case take?

Every case is different. Some settle in a few months, while others may take a year or more, especially if litigation is necessary. However, acting quickly is important to meet deadlines and preserve evidence. The sooner you contact an attorney after your accident, the better.

What if the other driver doesn’t have insurance?

If the at-fault driver is uninsured or underinsured, you may be able to recover compensation through your own uninsured/underinsured motorist coverage. An experienced attorney can help you navigate these claims and identify all possible sources of recovery.

Should I accept the insurance company’s first offer?

Almost never. Insurance companies often make quick, low settlement offers hoping you’ll accept before you understand the full extent of your injuries and damages. These initial offers rarely reflect the true value of your claim. Always consult with an attorney before accepting any settlement.

What if I was partially at fault for the accident?

Under Louisiana’s pure comparative fault system, you can still recover damages even if you were partially responsible. Your compensation will simply be reduced by your percentage of fault. An attorney can help minimize your assigned fault and maximize your recovery.

Take Action Today: Protect Your Rights After a Car Wreck

If you or a loved one has been injured in a car accident in Covington, Mandeville, Slidell, or anywhere in St. Tammany Parish, time is critical. Evidence can disappear, witnesses’ memories fade, and insurance companies move quickly to build their defense.

Don’t face this challenge alone. As your local Covington car wreck lawyer, I’m committed to fighting for the compensation you deserve while you focus on recovery. I understand the physical, emotional, and financial toll that car accidents take on victims and families, and I’m here to help you navigate this difficult time.

Contact Kervin Law Today

Call us today for a free, no-obligation consultation. We’ll review your case, answer your questions, and help you understand your legal options. Remember, you don’t pay unless we win your case.

The road to recovery starts with a single phone call. Let’s get started on securing the justice and compensation you deserve.

Kervin Law serves car accident victims throughout St. Tammany Parish, including Covington, Mandeville, Slidell, Abita Springs, Folsom, Lacombe, Madisonville, and Pearl River. If you’ve been injured in a car wreck, contact us today for experienced legal representation.