What If My Bicycle Accident Claim Was Denied By MetLife?
If MetLife denied your bicycle accident claim, you may be able to submit an appeal or file a lawsuit to seek the compensation you deserve. To decide how best to move forward, you must examine the applicable insurance policy, understand the reason for the denial, and know your legal rights.
MetLife provides various insurance policies for customers throughout the U.S. If your bicycle accident claim was denied by MetLife, there are several options available to you.
File An Appeal With MetLife For Your Bicycle Accident Claim
If you or a loved one suffered injuries in a bicycle accident, and you or the at-fault party carried MetLife insurance, you may be able to seek compensation for your losses from MetLife. Your eligibility for coverage can vary depending on the conditions under which your accident occurred, who was at fault, and the limitations of the MetLife policy.
If MetLife denies your claim, they will send a letter to advise you of the denial and provide an explanation. Reasons may include:
- You provided incorrect or incomplete information.
- The applicable policy is invalid or has lapsed.
- The policy does not cover bicycle accidents.
- The policyholder was not at fault.
- You exaggerated the claim value.
- You made false claims in your application.
The information provided in the denial letter will help you understand which additional supporting documentation, expert testimony, and other evidence will support your appeal. A bicycle accident attorney who has successfully pursued various claims can help with the appeal process and any subsequent legal actions.
Pursue A Lawsuit Against MetLife For Denying Your Bike Accident Claim
If MetLife denied your claim, but you feel you are eligible for compensation, you may have to pursue a lawsuit against MetLife for the compensation you deserve. To ensure the best chance for a positive outcome, you may want to speak with an attorney who knows how to handle insurance company tactics.
Like all insurance companies, MetLife benefits from denying or reducing claims, so they are not motivated to provide large settlements without pushing back. In addition to outright denial, the insurance carrier may try to reduce the value of your claim or offer a settlement lower than the amount you need to cover your losses.
A bike accident lawyer familiar with these tactics will know how to fight for your legal right to compensation.
Pursue A Personal Injury Lawsuit Against The Party Responsible For Your Bicycle Injury
Sometimes, MetLife denies a bicycle accident or other claim because it is invalid. For example, if the policyholder’s coverage does not include bicycle accidents, or if they were late on a payment and coverage lapsed at the time of the accident, you may not be able to pursue a MetLife claim.
In this case, you may still be able to seek compensation for your injuries through a bicycle accident injury lawsuit against the at-fault party. Your injury lawyer can help you determine who is at fault, whom you can pursue for damages, which damages you can claim, and how much those damages are worth.
Speak With An Attorney To Discuss Your Options After MetLife’s Denial
While you may be able to handle a MetLife bicycle accident claim denial and appeal on your own, the process can be complicated. Generally, insurance companies do not make it easy to appeal a decision, and you are often required to provide substantial evidence to prove fault and establish your claim’s value.
To streamline the process and ensure you have all the details covered, you can work with a personal injury attorney who handles claims and lawsuits against large insurance companies. A lawyer who understands the claims processes at MetLife can help you prepare your initial claim, file an appeal, and prepare a court case, if necessary.
Your bicycle injury lawyer will know which evidence they can use to prove your claim, such as medical bills, policy documents, pay stubs, expert testimony, and witness statements. Rather than trying to sort through the documentation required for an appeal by yourself, let a lawyer who has successfully handled such cases work on your behalf.
Contact Laborde Earles Injury Lawyers Today
At Laborde Earles Injury Lawyers, we have more than 350 years of combined experience defending injury victims in New Orleans and across Louisiana. Our legal team is dedicated to providing clients with solid support and skillful representation against the nation’s largest insurance companies. We will aggressively pursue fair compensation from MetLife, up to and including facing them in court.
Reach out to our team today to discuss your MetLife bicycle accident case denial.
