Louisiana is a fault state for auto insurance purposes. When you are involved in an accident, you will file a claim with the liable party’s auto insurer. Unfortunately, it is more common than you might think for insurance companies like MetLife to deny even the most deserving of car accident claimants.
When your MetLife car accident claim has been denied, you may be scared and worried about your future. Fortunately, when you have a car accident lawyer at Laborde Earles Injury Lawyers fighting for you, you can get the legal help you need to get the compensation you deserve.
Examples of Car Insurance Claims to File with MetLife
Since Louisiana is a fault state, instead of filing a claim with your own insurance company, you will start by filing a claim with that of the liable party.
Unfortunately, dealing with another party’s insurance company often makes the claims process far more difficult. When you are filing a claim with someone who carries MetLife auto insurance, you can expect the insurance company to make it more difficult for you to access the benefits you are entitled to.
However, that does not mean that you will never have the opportunity to file a claim with your own insurer. If you have MetLife auto insurance and have purchased your own personal injury protection (PIP) coverage, you may be able to file a claim with your own insurance company.
You might assume that the claims process with your own insurance company will be easier. In some cases, this is true. However, despite the fact that MetLife may have a contract and is required to uphold their financial obligations, it is still common for MetLife to wrongfully deny claimants the car accident settlement they would otherwise be entitled to.
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Common Reasons MetLife Denies Car Accident Claims
MetLife has been known to deny car insurance claims for a number of reasons. Generally, the insurance company will deny a car accident claim when they believe the claim is not valid. Some of the more common reasons for MetLife car accident claim denials include:
- The injury victim was driving under the influence of drugs or alcohol at the time of the accident.
- The injury victim was driving without a valid license.
- The injury victim is not covered under the liable party’s auto insurance policy.
- The injury victim had pre-existing injuries.
- The vehicle damage claimed was not related to the accident in question.
- The policyholder’s policy was not in effect at the time of the car accident.
- The policyholder’s auto insurance policy does not cover the injury victim’s damages.
- The policyholder lied to MetLife when they purchased their auto insurance coverage.
MetLife has also been accused of denying car insurance claims in bad faith. This happens when the insurance company knowingly denies someone the compensation they are entitled to. Bad faith insurance denials include:
- Refusing to investigate a car accident claim
- Refusing to include evidence that would prove the claim is valid
- Failure to pay out on a valid car accident claim
- Delaying the processing of a car accident claim
- Failure to give the injury victim reasons why their claim was denied
How to Handle a Denied MetLife Car Insurance Claim
When your MetLife car insurance claim has been denied, it is important that you reach out to a car accident lawyer for help. Your attorney can find out why the insurance company has denied you the settlement you are requesting.
Generally, your attorney may be able to provide MetLife with the additional supporting evidence they are going to need to prove that your claim is valid. This might include vehicle repair quotes, medical records, copies of accident reports, and video of the collision, for example.
However, if after providing the insurance company additional supporting evidence, they continue to deny you the settlement you deserve, your attorney may be able to move forward with additional legal action. This might include filing a civil lawsuit against MetLife.
Your attorney will closely evaluate the circumstances of your case to determine how to best approach your MetLife car insurance claim denial. In many cases, MetLife will ultimately settle outside of court to avoid further financial losses when injury victims’ claims are successful.
Reach Out to a Car Accident Attorney for Help Dealing with a MetLife Claim Denial
If MetLife has denied your claim in bad faith or otherwise failed to allow you access to the benefits that you are entitled to, a car accident lawyer at Laborde Earles Injury Lawyers could help you hold them accountable.
Discuss your legal options further when you contact us for a no-cost, risk-free consultation. You can reach us by phone or through our quick contact form to get started today.