Bicycle accidents can lead to property damage and physical injury. After an accident, you may file a bicycle accident claim with Direct Auto Insurance. In some cases, Direct Auto insurance might deny your claim and refuse to cover the damage costs.
If you experience a Direct Auto Insurance denial, your first step is to verify why your claim was denied. You may have the option to fix problems with your original claim or to contest the denial. In some instances, working with an attorney with experience helping bicycle accident victims can be helpful.
The Impact of Bicycle Accidents
If a car hits your bike, you can experience severe injuries and damage to your bike. You may need to replace or repair your bike, but you may also need to take time to recover from your injuries. This can be costly due to the medical treatment you receive and the time you might not be able to work at the same level you normally would.
Suppose the other driver was responsible for the accident. In that case, the driver’s insurance should help to cover your costs related to the accident.
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Direct Auto Insurance Coverage
Direct Auto Insurance Coverage helps drivers with customizable auto insurance plans. They offer a wide range of insurance coverage, including several types of auto insurance depending on what drivers need.
For example, they offer liability insurance. Liability insurance helps to cover the costs of medical injury and damage repair. If a driver hits a bicyclist, the driver’s liability insurance would help to cover things like the bicyclist’s medical bills after the accident.
Denial in a Bicycle Accident Claim
After providing Direct Auto Insurance with the appropriate information in your bicycle accident claim, you would typically expect a payment to help cover your accident costs. However, there may be reasons for Direct Auto Insurance to deny your claim:
- You didn’t file your bicycle accident claim within the required time frame that Direct Auto Insurance requires.
- You reported injuries or other damages that were not actually caused by the accident.
- You were responsible for the accident.
- The insurance policy does not cover your bicycle accident.
In some instances, the insurance company might not deny your claim, but they might offer you an amount that is not enough to cover the damages from the accident.
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What You Can Do After Experiencing a Bicycle Accident Claim Denial
If Direct Auto insurance denies your claim, they should give a clear reason for the denial. Your first step is to clarify the reason for the rejection and ask any questions you may have about the denial.
Direct Auto Insurance may give you guidelines about further action you can take. For example, they may be able to tell you about the steps you can take to contest the denial. If they claimed that you were at fault for the accident and should be denied coverage, you could work to present evidence that this is not the case.
It is essential to ask questions and offer all the data available as you present your case. As you work to argue your case to get a fair compensation amount, consulting with a qualified attorney can be helpful.
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Benefits of Working with a Bicycle Accident Attorney
A bicycle accident attorney can help you as you work with the involved insurance companies in your bicycle accident claim. For example, an attorney may be able to negotiate on your behalf if Direct Auto Insurance denies your claim. They may be able to present evidence that shows the extent of the damages you sustained and who was truly at fault for the accident.
In some cases, you might choose to pursue further legal action if Direct Auto Insurance continues to deny your claim. Your lawyer can help you through this process as your legal counsel and legal representation.
Start Your Bicycle Accident Case Today with a Free Consultation
Laborde Earles Lawyers’ legal team can help you with your bicycle accident case. We will go over all the facts and your legal options with you. We’ll present the evidence in your favor and work to negotiate for you to get the compensation you need. We are prepared to help you with your case every step of the way.
You can contact us today to begin your case with a free consultation.
Call or text (337) 777-7777 or complete a Free Case Evaluation form