If USAgencies denies your car accident insurance claim, you may fear you have no options to secure damages. Fortunately, you can work with a car accident lawyer to appeal the denial or file a lawsuit against the driver who hit you.
You can learn more about what to expect if USAgencies insurance denies your claim with our team at Laborde Earles Injury Lawyers.
What Should You Do First if USAgencies Insurance Rejects Your Claim?
After a car accident in Louisiana, drivers may file a claim with their insurance company or the company representing another driver involved in the wreck, seeking compensation to cover their losses. Since Louisiana is a fault-based state, you will typically file a claim with the company representing the at-fault driver.
USAgencies has a reputation for providing solid care for drivers in Alabama and Louisiana. However, the company rejects many claims every year, so you are not alone if you find your claim denied.
Reaching out to a lawyer generally represents the first step after you receive a denial. A car accident lawyer with experience handling claim denials can help you review your next steps and request an internal review of the denial.
What Happens When USAgencies Insurance Denies Claims?
When USAgencies denies an insurance claim, they generally send a denial letter. This letter should include the reason for the denial, so make sure you keep it, review it carefully, and share it with your personal injury lawyer.
After you receive the letter, you can move forward. Sometimes, the company sends a softer denial, requesting additional information to support your claim. Your lawyer may respond to these letters by providing:
- Photos of the accident scene
- A copy of your police report
- Estimates for the repair cost of your vehicle
- Bills for your medical expenses
Providing additional information may prompt USAgencies to approve your claim and provide you with compensation.
In situations where USAgencies denies your claim, your lawyer may file an appeal. You can appeal a first-party claim with your insurance company or third-party claims involving someone else’s insurance.
For a free legal consultation, call (337) 777-7777
Can You Fight a Denied USAgencies Insurance Claim?
Yes, you can fight for compensation after receiving a denial from USAgencies insurance. Your car accident lawyer can negotiate with the insurance company on your behalf, sometimes getting them to reverse their initial decision.
In many cases, lawyers work to show that USAgencies insurance representatives acted in bad faith when denying your claim. Insurance companies display bad faith actions when they:
- Refuse to pay legitimate insurance claims
- Fail to investigate a claim adequately
- Provide no reasonable explanation for their denial
- Disobey state regulations on insurance claims
- Ignore evidence supporting your claim
Your lawyer may even file a lawsuit on your behalf if they suspect bad faith practices from USAgencies.
Three Common Reasons Car Insurance Claims Are Denied
USAgencies insurance may use many reasons to deny car accident claims in Louisiana. However, some of the most common reasons include:
Blaming You for the Accident
USAgencies may claim you were partially or completely at fault for a car accident in Louisiana. In this situation, they may refuse to cover your damages if you file a third-party claim against another insured driver.
Claiming You Did Not Sustain Injuries in the Accident
Representatives for USAgencies may try to refuse your claim by arguing that since you did not seek emergency medical care immediately, you must not have been injured in the accident.
You can prevent this denial by seeking medical care quickly after your accident. Do not wait to visit the doctor and get a diagnosis if an accident left you with injuries in Louisiana.
Claiming You Did Not Notify Them of the Accident in Time
You can only receive compensation if you show that an accident caused your injuries or other losses. Waiting too long to notify your insurance company may give them a chance to claim that another event caused your injuries or property damage.
We recommend notifying your insurance company quickly after an accident. However, you may want to speak with a car wreck lawyer before you call insurance agents to receive guidance about how to proceed.
Speak to Us if USAgencies Insurance Denied Your Claim
What happens if your car accident claim was denied by USAgencies Insurance? In this situation, you can reach out to a car accident lawyer for help requesting a review and reassessment of the denial. Your lawyer could even help you file a lawsuit to seek compensation.
Find out more about your options today with our team at Laborde Earles Injury Lawyers. Call us or complete our online contact form to get started.