What Should You Do if the Insurance Company Denies Your Claim?
Most of us will be involved in some sort of car accident in our lifetime. Thankfully, most of these are pretty minor. You may suffer some property damage. You may even have some bumps and bruises. But, for the most part, you’ll be okay.
After your accident, you’ll have to submit your claim to the insurance company. If the other driver is at fault, their insurance should cover your injuries. It wouldn’t be fair for you to pay for these injuries yourself. It also isn’t fair that your insurance should go up if it wasn’t your fault.
Usually, when you file your insurance claim, it’ll be paid within a week or two. The insurance company, however, isn’t in the business of paying claims. And, when they have to choose to pay a claim, chances are, they’ll choose to pay smaller claims.
If your claim is for a significant amount of damages, there’s a better chance that your claim will be denied. There are a few reasons for this:
- They would rather take their chances in court than pay the claim outright
- They think they can settle for less down the road
The good news is your auto accident lawyer in Baton Rouge can handle all of this for you. If you retain a Louisiana trial lawyer immediately after your accident, they can help file your claim. If you want to wait to see if your claim is approved before hiring a lawyer, you’ll have to file it yourself.
Either way, if for some reason your claim is denied, your auto accident lawyer in Baton Rouge will be there to help.
Why Would Your Claim Be Denied?
If insurance companies paid every claim that came through their door, they’d go bankrupt. Insurance adjusters need to decide which claims to pay and which claims to deny. A lot of their decision has to do with the following:
- Size of the claim
- The driving history of both parties
- Policy limits
- Costs to defend the accident
- The company’s history of settling claims
If they do decide to deny your claim, they must have a reason for doing it. These reasons include but certainly aren’t limited to:
- The policy wasn’t valid
- The policy lapsed for non-payment
- The driver wasn’t listed on the policy
- They believe you were at fault
- They don’t think your injuries were legitimate
- You have a history of filing accident claims
There’s absolutely nothing your lawyer can do if the policy wasn’t valid. No insurance company is going to pay out a claim on an invalid policy. If this is the reason for your denial, you’ll have to rely on your uninsured motorist’s coverage.
Once you get notification of your denial, your auto accident lawyer in Louisiana will reach out to the insurance adjuster. They’ll do their best to appeal your claim and get it paid. If this doesn’t work, they’ll have no choice but to file a lawsuit on your behalf.
Just because you file suit, that doesn’t mean you’ll go to court. Over 90% of all car accident cases settle out of court. Nobody wants to go to trial. Trials are expensive and time consuming,
The Insurance Company Isn’t Afraid to Get Sued
Insurance companies are sued every day. It’s not something they’re afraid of. It is nothing more than a business decision. It comes down to dollars and cents. It’s not personal. If your claim is one they think they can settle for less, they’ll take their chances with a lawsuit.
Insurance adjusters think they can take advantage of a driver. If you don’t have a lawyer, they’ll offer you a low-ball settlement. They’ll try to get you to sign a release. If you do this, you can never go back to them for more money. This is why you should never sign a settlement release without having your lawyer look at it first.
Contact an Auto Accident Lawyer in Louisiana Today
If you get into a car accident in Baton Rouge, you’re going to need legal representation. Call and speak with an auto accident lawyer in Louisiana right away. Schedule your free initial consultation. An experienced lawyer will sit down with you and go over your case. They’ll let you know what it may be worth. They’ll also answer any questions you may have.
Your lawyer can also reach out to the insurance adjuster and find out why your claim was denied. They may be able to get it settled faster than you think.
The consultation is free and you pay nothing until you settle your case.