What If My Car Accident Claim Was Denied By Amica Insurance?
Was your car accident claim denied by Amica Insurance? If their driver was responsible for causing the accident, a personal injury lawyer near you can help you keep fighting for the damages you are entitled to recover. Your financial recovery options can include taking the driver to court. If the insurer acted in bad faith, they could also include suing them for additional damages.
When you trust your case to a personal injury lawyer, you get the benefit of their familiarity with state and local insurance and personal injury law. If the other driver denies responsibility and their insurance company takes their side, your lawyer will help you locate and interview witnesses and build a compelling case file that leads to the best possible outcome for you.
Amica Insurance Might Deny Your Claim For One Or More Of These Reasons
If the representative from Amica Insurance denied your request for first- or third-party compensation, they are required to tell you why. A personal injury lawyer will review their reasons for denying coverage.
Frequently cited reasons for refusal include:
- The policy in question has lapsed
- Your claim was filed too late
- Fraudulent information
- The accident involved an excluded driver
- Failure to provide sufficient documentation
Some reasons for refusal or actions the insurance company takes can be construed as unscrupulous. These include failing to acknowledge your claim or respond in a timely fashion. Your lawyer will also help you combat these allegations or file a lawsuit against the insurer for engaging in bad faith insurance practices.
A Car Accident Lawyer Can Help You Fight Back Against A Denied Claim
You do not have to stop fighting for compensation after a car accident claim is denied by Amica Insurance. A personal injury lawyer can help you prove:
- The policyholder was responsible for the accident.
- Your own liability is minimal or non-existent.
- The insurance company acted in bad faith.
Your lawyer will consult accident reconstructionist experts, file your claim or appeal, and ensure the legal elements of negligence are supported by the weight of the evidence they collect on your behalf.
The Evidence You Collect Can Prove The Negligence That Caused The Accident
Most car accident cases are resolved by an insurance settlement. Your appeal can be resolved in the same manner when the evidence points to the at-fault driver’s negligence.
Your evidence file will contain:
- Medical records and bills
- Official car accident report
- Proof of lost wages and income
- Accident scene and injury photos
Witness statements and your own statement will also prove the toll the accident has taken on your physical and emotional health. Whether they appeal your case or file a lawsuit on your behalf, your lawyer will not stop fighting for the compensation you are entitled to receive.
The Timing Of Your Insurance Claim Can Make A Difference In Its Outcome
A personal injury lawyer can ensure your car accident insurance claim is not denied because of an expired statute of limitations. Because the filing deadline can change based on certain factors of your accident, it can be difficult to comply on your own.
In addition to ensuring your potential lawsuit is filed on time, your lawyer will handle your appeal on a contingency fee basis. This fee structure means concern over the cost of hiring a personal injury lawyer does not have to prevent you from filing an appeal against Amica Insurance. Your lawyer will work with you on a contingency fee, meaning you will pay nothing up front and owe your lawyer no compensation unless financial recovery is obtained for you.
Compensation You Can Recover From The At-Fault Driver
When a negligent driver causes a car accident, your legal team will build a case file that proves they owed you a duty of care, failed to provide it, caused your accident, and are responsible for your financial damages.
When these four elements of negligence are proven, you are entitled to recover:
- Ongoing medical bills
- Ongoing losses of income
- Future lost earnings
- Property damage or loss
- Diminished property value
- Physical disability
- Physical disfigurement
- Pain and suffering
- Mental anguish
- Emotional distress
If your family lost a loved one due to the at-fault driver’s negligence, your lawyer could also help your family recover wrongful death damages. Whether by appeal or at trial, your lawyer will not stop fighting for the financial recovery you are entitled to receive.
Call For Your No-Cost Case Review Today
If you or someone you love were involved in a car accident, you expect the at-fault driver and their insurance company to compensate you for the accident’s financial consequences. At Laborde Earles Injury Lawyers, our personal injury attorney will help you build a strong case for financial recovery even if Amica Insurance denied your initial car accident claim.
Contact one of our team members today to see how hard we fight for you and for the best possible outcome of your case.
