If Esurance denied your claim for damages, you should appeal the decision. It is not uncommon for the insurance company to issue a denial for a claim. They make money by hedging a bet against needing to pay more in claims than they earn through monthly fees. Their first defense is to deny most claims and hope you drop the matter and don’t pursue it.
Esurance was introduced in 1999 and was one of the first online-only insurance options available. Allstate acquired it in 2011. In 2019, Allstate announced that they would be phasing out Esurance in 2020. That has not come to pass, and Esurance is still opening new policies in 2022.
Esurance Makes Claim Filing Seem Simple Enough
Offering both online access and a mobile app, Esurance customers can file an accident claim around the clock. You can also report an accident using their customer service line. However, that does not mean you won’t have to fight to get approval for your claim.
For a free legal consultation, call (337) 777-7777
What to Do If Esurance Denies Your Claim
You should receive a letter from Esurance documenting their reason for denial of your claim. Please read it carefully. If they neglected to send you a letter, contact them and request the denial in writing.
Notify Esurance that you will be appealing their decision to deny your claim. Having a law firm assist you in filing an appeal is beneficial. A car accident lawyer will be able to help you in many ways, including:
- Obtaining the documentation to verify your claim
- Verifying the insurance coverage that was in effect at the time of your accident
- Gathering additional documentation as necessary
Car accident attorneys deal with insurance companies daily. They understand the mistakes you should avoid when filing a claim. They know many tricks that insurance claims adjusters use to lower the amount the company has to pay to claimants.
Reasons Your Claim May Have Been Denied
Insurance claims may receive a denial for various reasons. Sometimes they are valid, such as not having the level of coverage that you thought you had. Many claims may be denied in the hope you won’t follow through with an appeal.
Other reasons a claim might receive denial include:
- Failure to pay monthly premiums causing a lapse in coverage
- Requesting damages that aren’t covered under the policy
- You provided false information when applying for the policy
- Failure to report an accident in a timely manner
- The driver wasn’t covered under the policy
- The claim was exaggerated or fraudulent
- Damages exceeded the coverage amount of the policy
- You waited to seek medical attention
- You were breaking the law, such as driving while intoxicated
Claims adjusters will attempt to find any reason to deny your claim.
Coverage of Your Policy
It is essential to understand your insurance policy. This is where a law firm can help as they know the language, coverage minimums, and how vehicle insurance works.
Many times, people might think they have full coverage insurance that will cover everything when they have the bare minimum coverage required by law.
Policy Limits on Coverage
Louisiana requires that all vehicle owners carry minimum liability coverage that meets the 15/30/25 limits. The limits provide coverage for:
- $15,000 for bodily injury to one person
- $30,000 for bodily injury to multiple persons in one accident
- $25,000 for property damage
Insurance on a vehicle covers all drivers legally operating the vehicle with the owner’s permission.
Louisiana’s “No Pay, No Play” Law
Vehicle owners that do not carry the minimum liability insurance can be fined up to $1,000 for several things, including:
- Operating a vehicle without insurance
- Having an accident without insurance coverage
- Making a false claim that you have insurance
Additional financial penalties may apply for failing to have proof of insurance or allowing your coverage to lapse. Drivers may also have driving privileges suspended, vehicle registration revoked, license plates canceled, and their vehicle impounded.
The law known as “No Pay, No Play” keeps uninsured motorists from collecting the $25,000 in property damages and $15,000 in personal injury damages from an insured motorist, regardless of fault in causing the accident.
Seeking Help to File an Appeal
If you have been denied a claim and feel you have a viable appeal, speaking with a car accident law firm can significantly benefit you. In addition to advising you on information about insurance, they can assist by:
- Obtaining a copy of the police report
- Organizing your medical records to document your injuries
- Conducting an independent investigation of the accident
- Obtaining counsel from medical experts about your injuries
- Having an accident reconstruction expert rebuild the accident to determine fault
- Speaking with witnesses
- Gathering additional evidence that supports your claim
- Handling negotiations/discussions with insurance companies
In short, a law firm will build a solid claim while you concentrate on recovering from your injuries.
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Laborde Earles Injury Lawyers Knows Insurance Claims
If Esurance denied your car accident claim, Laborde Earles Injury Lawyers could help. They offer a free initial case evaluation so you can explain your case with zero risk. Our car accident team is familiar with personal injury law, vehicle accidents, and how insurance companies work. Contact us to get started with your appeal today.