If State Farm denies your car accident claim, you may still be able to secure compensation with the help of a car accident lawyer. Our team at Laborde Earles Injury Lawyers can provide you with this assistance.
What Happens If an Insurance Claim Gets Denied?
After a car accident in Louisiana, you may file an insurance claim to seek compensation for your losses. Many drivers use State Farm for car insurance. However, despite the company’s assertions that “Like a good neighbor, State Farm is there” after an accident, its representatives often deny claims.
If State Farm denies your insurance claim, the company has decided not to compensate you for the losses associated with your accident. However, a denial represents only a first-time refusal of financial compensation.
Depending on your situation, a denial does not mean the end of your insurance claim. You have the right to appeal their denial if you act quickly.
For a free legal consultation, call (337) 777-7777
Our Lawyers Can Help if State Farm Denies Your Car Accident Claim
According to WAFB9, officials reported over 900 highway crashes in Louisiana in 2021. If you or a loved one experienced one of these accidents, an insurance settlement can make a big difference in your recovery.
A car accident lawyer can help if you’re filing a claim with your insurance company after an accident you caused or filing a third-party claim with an insurance company representing another driver. We can help you:
Review the Denial Letter
If State Farm decides to deny your claim, they’ll send you a denial letter. This letter should contain the reason for the denial and the insurance company’s position. We can review this letter and then provide you with information about your options.
File a Demand Letter
After reviewing a denial letter, your car accident attorney can create and send a demand letter. This document states the facts of your case and includes information about any bad faith practices State Farm may have used to deny the initial claim.
Handle a Formal Appeal
You can appeal an insurance denial from State Farm in Louisiana. Your personal injury lawyer can properly file all documents and present your case on your behalf.
Aggressively Negotiate
State Farm representatives may be open to negotiation after an initial insurance claim denial. Car accident lawyers understand the strategies that work to handle insurance agents.
File a Car Accident Lawsuit
Finally, while your lawyer may successfully negotiate a car accident claim in many cases, in some situations, State Farm may simply refuse to settle fairly. In this case, your lawyer may advise you to file a lawsuit to secure damages to cover your losses.
Is State Farm Known for Denying Claims?
While U.S. News & World Report rated State Farm second on its list of “The Best Car Insurance Companies of 2022,” the truth is that the company still denies many claims every year. State Farm operates as a business focused on protecting the company’s bottom line.
Paying claims takes away from the company’s profits. Therefore, they may look for reasons to deny claims. State Farm representatives may also make very low initial settlement offers when they do not deny a claim outright. They may make an offer that fails to cover losses for:
- Medical expenses
- Vehicle repairs
- Lost wages
- Pain and suffering
You do not have to accept the initial offer made by the insurance company, even if they imply they will not make additional offers. Instead, you can appeal the initial offer and negotiate for a better settlement with assistance from a Louisiana car accident lawyer.
Why Does State Farm Deny Claims?
State Farm denies claims or offers low settlement amounts to keep their profits higher. Depending on the facts of your case, State Farm representatives may employ bad faith practices to avoid covering your losses. Examples of bad faith actions include:
- Refusing to investigate your claim
- Delaying your claim for an unreasonable period
- Making unnecessary or repeated demands for documents
- Misrepresenting the facts or your insurance policy
- Failing to provide useful communication
A car wreck lawyer can step in during these situations to support you and help you seek fair compensation for your losses.
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How Do I Appeal a Denied State Farm Claim?
You can appeal a denied State Farm claim in Louisiana by sending the company a demand letter to start the appeal process. While you can attempt to negotiate with the insurance company on your own, you also have the option to seek legal support.
Many drivers hire car accident lawyers immediately after a collision to receive prompt help communicating with insurance agents. You can rely on your lawyer to answer your questions and ensure you file your claim correctly the first time.
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What Can You Do if State Farm Denies Your Car Accident Claim?
If your car accident claim gets denied by State Farm after an accident in Louisiana, you can contact a lawyer for assistance. Our team at Laborde Earles Injury Lawyers can help drivers in your situation.
Call us or complete our online contact form to learn more.
Call or text (337) 777-7777 or complete a Free Case Evaluation form
