What If My Bicycle Accident Claim Was Denied By Progressive?

When a large insurance company like Progressive denies your bicycle injury claim, you may feel you have no recourse; however, you still have options. To protect your right to fair compensation, you can resubmit your claim with additional information, submit an appeal to Progressive, or file a lawsuit against Progressive or the responsible party.

What Is Progressive Insurance?

Progressive is one of the largest insurance carriers in the U.S. If you are in a bicycle accident, whether it is with a pedestrian, another cyclist, or a motorist, you may have to negotiate with Progressive for your damage compensation.

Insurance companies make money by earning more in premiums than they pay out in claims. This means it is in their interests to reduce or deny claim payouts, even if the claims are valid. To counter a denial from Progressive, you first need to understand why they denied your claim.

Reasons Progressive May Deny Your Bicycle Accident Claim

Progressive could deny your bike accident claim for several reasons. Some common reasons for claim denials include:

• Progressive’s policy does not cover the type of accident you were involved in.
• The at-fault party or their vehicle is not named in or covered by a Progressive policy.
• The Progressive insurance policy has lapsed.
• The policy coverage is less than the claim value you requested.
• Your claim is missing details, documents, evidence, or other information.
• Progressive did not receive notification of the accident within a specific time frame.

In some cases, such as missing information or incomplete forms, you can resubmit the claim application with the requested information. However, this does not guarantee that your claim will not be denied again. It may be in your best interests to speak with an attorney familiar with bicycle accident claims to ensure you include all the necessary information.

Filing An Appeal With Progressive For Your Denied Bicycle Accident Claim

If Progressive has denied your claim for reasons other than missing documentation or incomplete paperwork, you may be able to file an appeal. An appeal with Progressive can be time-consuming and often requires that you prove their reason for denying the claim is unfounded or incorrect.

For example, suppose Progressive indicates that the at-fault party’s car insurance policy does not cover your bicycle accident. In that case, you can use policy documents, state statutes, and case law to support your claim.

An attorney who handles bicycle accidents in your area can help you obtain the necessary information to appeal your denied Progressive claim successfully.

Should You File A Lawsuit After Progressive Denies Your Bike Accident Claim?

If the conditions of your denial are valid (for example, the policy lapsed or the at-fault party’s Progressive policy does not cover the accident), you may file a lawsuit against the party responsible for your accident.

A bicycle accident lawyer can help you compile the evidence you need to establish fault, determine the value of your case, and file the necessary legal paperwork within the statute of limitations. To have a successful injury lawsuit, you must be able to prove the at-fault party was negligent and their negligent actions caused your injuries.

You can seek the full value of your losses in a personal injury claim against the accountable party. Economic damages you can claim may include lost or reduced income, hospital bills, and medical treatments. Non-economic damages you may be able to claim include pain and suffering and emotional anguish.

Wrongful Denial Of A Progressive Insurance Claim For Your Bicycle Accident

In some situations, Progressive will deny your claim even if they should cover it. If you can prove that your bicycle accident meets the requirements for coverage, and your claim is still denied, you can file a lawsuit against Progressive for operating in bad faith. Such lawsuits can be complex and time-consuming, and Progressive has a substantial legal division that works to protect the insurance company’s interests.

If you decide to proceed with a lawsuit against Progressive for wrongful denial, it is a good idea to speak with an injury attorney familiar with the laws, statutes, and case law surrounding insurance claims.

How an Attorney Can Help With Your Denied Progressive Bike Injury Claim

To ensure the best possible outcome for your Progressive bicycle accident claim, appeal, or lawsuit, work with an attorney who has successfully handled cases against large insurance companies before. They will be familiar with denial and appeal processes, as well as tactics used by some insurance companies to avoid paying the full value of a claim.

A firm with experience pursuing settlements against Progressive and other prominent insurance carriers will know how to compile the necessary evidence to prove your claim, negotiate for a fair settlement, and build a lawsuit against the at-fault party or Progressive, if necessary.

Laborde Earles Injury Lawyers Can Help With Your Progressive Bicycle Accident Claim

If you were injured in a bicycle accident and your claim was denied by Progressive insurance, the bicycle accident attorneys at Laborde Earles Injury Lawyers are here to assist with your next steps. Reach out to our team today for a free consultation.