Amica is one of the largest insurance companies in the United States. That does not mean they will always deal with you in good faith. If they have denied your injury claim following a bicycle accident, you could have recourse for pursuing the compensation you deserve.
If your bicycle accident claim was denied by Amica Insurance, the steps you take could determine if you are ultimately successful in recovering compensation. A denied claim does not mean your pursuit of justice is over. An attorney could help you review your options.
Steps To Take Following A Denied Claim
Even following a denial of your claim, taking the right steps could help you secure a bicycle accident settlement from Amica. The following steps could give you your best chance of securing the compensation you deserve despite your denied claim.
Hire Legal Counsel
The most important step you can take following a denied claim is hiring an attorney. Amica is unlikely to use pushy, bullying tactics when you are represented by legal counsel. Your attorney could give you insight into how you could recover compensation despite your denied claim.
Ask For A Reason
Insurance companies cannot deny a claim without a reason. They have an obligation to act in good faith, and arbitrary denials are not in good faith. Even though their reason might be flimsy or illogical, it could give you a starting point on how to secure the compensation you deserve. In some cases, insurance companies will listen to reason and change their mind following a denial.
Gather Evidence
If your claim is denied, your only outlet for compensation could be a civil lawsuit. Before you can pursue legal action, it is necessary to build a viable claim for compensation. Developing strong evidence for your claim is an important role for your attorney.
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Reasons Amica Might Deny A Claim
There are various reasons why Amica Insurance might deny a claim following a bicycle accident. Some of these reasons might mirror the excuses they make when they reject claims related to motor vehicle collisions. Other denials could be unique to bicycle accident injury claims.
Amica Claims You Were At Fault
One of the most common reasons for Amica to deny a claim is when they allege you were the party responsible for the accident. This occurs less often with bicycle cases compared to motor vehicle collisions, as cyclists typically have the right-of-way when they are struck. However, there are still situations where a bike rider could be at fault. Amica could deny your claim on that basis, whether it is true or not.
Lapsed Coverage
One of the most frustrating reasons for a denied injury claim involves a lapsed liability policy. If a motorist struck you while they did not have an active policy, the insurance company has no obligation to cover your damages. An attorney could help in these cases, given that insurance companies are at times mistaken when it comes to coverage issues.
Delay In Treatment
It is important to seek medical care immediately after a bicycle accident injury. If there is a lengthy delay between your accident and your first visit to the doctor, the insurer could deny your claim. Insurance companies might claim that the delay signifies that your injury is not serious or that it occurred after the accident.
Policy Limits Are Exhausted
Sometimes, insurance companies are only willing to pay some of your damages. Liability insurance policies come with limits, and those limits are easy to reach in many cases. If the policy limits have already been reached after an accident, Amica might only offer you a portion of your damages.
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Who Is Amica Insurance?
Amica Insurance—like most insurance companies—is a large corporate entity with more than 3,000 employees nationwide. Founded in 1907, Amica has a national footprint but is smaller than the largest and most notable insurers.
Just like other insurance companies, Amica has adjusters that handle their injury claims. The role of these adjusters is to take cases opened through the Amica Claims Center and secure the best possible outcome for the insurance company. That goal is typically in conflict with your efforts to obtain the compensation you deserve.
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Let An Attorney Assist You With Your Amica Bicycle Accident Claim
Having your insurance claim denied by Amica can be upsetting. The compensation from your claim could help you get things back on track for your bicycle accident. Thankfully, a denial does not mean you are out of luck with securing the compensation you deserve.
Still unsure what to do if your bicycle claim is denied by Amica Insurance? The good news is that you do not have to deal with these circumstances alone. Laborde Earles Injury Lawyers are ready to help you pursue your claim aggressively. Call for a free consultation today.
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