If your car accident insurance claim with Esurance was denied, you might be wondering how to get the money you need to cover medical bills, vehicle repairs, and manage other collision-related inconveniences. Fortunately, you have the right to file an appeal and continue your pursuit of compensation.
That said, filing an appeal can be difficult and confusing, especially if you’re focusing on getting your vehicle repaired and recovering from your injuries. That’s where an attorney from Laborde Earles can help. A Lafayette car accident lawyer can help you determine what you should do if your car accident claim is denied by Esurance and fight for the damages you’re owed.
Don’t Worry If Esurance Denied Your Car Accident Claim
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 for claim approval.
It is common for the insurance company to issue dishonest denials for legitimate claims. They make money by hedging a bet against needing to pay more in claims than they earn through monthly fees. As a result, their first defense is often to deny your claim and hope you drop the matter.
If your claim was denied, don’t panic! A skilled attorney can make the process of appealing a denied claim incredibly simple. They’ll guide you through the appeals process, stand up against dishonest insurance adjusters, and work tirelessly to make your claim as successful as possible.
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How an Attorney Can Appeal a Denied Esurance Car Accident Claim
If you’ve received a letter from Esurance documenting their reason for denial of your claim, read it carefully and make sure to have a lawyer review it. If the insurer neglected to send you a letter, contact them and request the denial in writing.
Once you and your attorney have reviewed the letter, you’ll want to notify Esurance that you will be appealing their decision to deny your claim. Your attorney can draft a properly worded letter and take the following steps on your behalf to ensure your appeal goes smoothly:
- Obtain documentation to verify your claim
- Verify that your insurance coverage was in effect at the time of the accident
- Obtain a copy of the crash report
- Organize your medical records to document your injuries
- Conduct an independent investigation of the accident
- Obtain counsel from medical experts about your injuries
- Have an accident reconstruction expert rebuild the accident to determine fault
- Speak with witnesses
- Gather additional evidence that supports your claim
- Handle negotiations with insurance companies
Car accident attorneys deal with auto insurance companies daily. They’re familiar with the common mistakes you should avoid when filing an insurance accident claim and are aware of the tricks insurance claims adjusters use to lower the amount of compensation you receive.
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Reasons Your Claim May Have Been Denied
Understanding why your claim may have been denied can help your attorney file a successful appeal. 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. However, many claims may be denied in hopes that you won’t follow through with an appeal.
Other reasons a claim might be denied include:
- Failure to pay monthly premiums causing a lapse in coverage
- Requesting damages that aren’t covered under the auto insurance policy
- Providing false information when applying for the policy
- Failing 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
- Waiting to seek medical care
- You were breaking the law when the incident occurred
If your Esurance claim was denied for one of the above-listed reasons or another one, an experienced attorney can get to the bottom of it and make the changes required to file a strong appeal. A lawyer can also help you determine if an issue with your policy was the root cause of your denied claim.
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Issues With Your Type of Coverage Can Lead to a Denied Esurance Claim
If your claim was denied, it is essential to understand your auto insurance policy and the type of coverage it provides. A law firm can help as they are closely familiar with insurance language, coverage minimums, and how vehicle insurance works.
It’s common for insured motorists to think they have comprehensive insurance that will cover everything when, in reality, they have the bare minimum coverage required by law.
Louisiana’s Automobile Insurance Coverage Laws
Louisiana requires that all vehicle owners carry minimum liability coverage that meets the following specifications:
- $15,000 for bodily injury to one person
- $30,000 for bodily injury to multiple persons in one accident
- $25,000 for property damage
Vehicle insurance covers all drivers legally operating the vehicle with the owner’s permission. If you filed a claim for more than your minimum liability policy covers, Esurance may deny your car accident claim. If that’s the case, an attorney can help you determine your best course of action moving forward.
Louisiana’s “No Pay, No Play” Law
If you’ve recently discovered that your policy doesn’t meet state requirements, you’ll want to act fast to avoid penalties. Vehicle owners who 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. Offending 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 $25,000 in property damages and $15,000 in personal injury damages from an insured motorist, regardless of fault. If your lack of adequate insurance resulted in a denied Esurance car accident claim, consult with an attorney to learn what to do next.
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Laborde Earles Injury Lawyers Knows Insurance Claims
If your car accident claim has been denied by Esurance, a Lafayette car accident lawyer from Laborde Earles can help you. Our team has appealed countless denied claims and understands why insurers refuse to offer the money you deserve.
Contact us today for a free, zero-risk case evaluation. We’ll meet with you to discuss your accident, claim, and your legal options moving forward. If we agree to help with your claim, we’ll work hard to obtain the damages you need to cover your medical expenses and get back on your feet.
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