If your motorcycle accident claim was denied by Allstate, don’t give up. You’re not alone, and you may still be able to secure a settlement. Below we outline the claims process, including reasons your claim may be denied and actions you can take to move your claim further.
Denials Are Relatively Common For Motorcycle Accident Claims
When you file a claim with Allstate or another insurance company, one of their primary goals is to reduce their financial liability as much as possible. Insurance companies make money by paying as little as they can for claims. Know that Allstate may try to reduce the value of your claim even if they are your motorcycle insurance carrier.
A motorcycle accident attorney will understand the tactics employed by Allstate and other insurance companies. They can help you navigate the negotiation process to seek the compensation you need to cover your losses.
For a free legal consultation, call (337) 777-7777
Ask Allstate If Your Motorcycle Claim Is Missing Information
Insurance companies are notorious for denying claims based on minor errors. If you are missing a signature on a form, a document, or a bill, they could use this as an excuse to deny your claim. If you received a denial letter from Allstate, they should state the reason for the denial. You may be able to simply resubmit the claim with the missing information.
Proving Fault Is Critical In A Motorcycle Injury Claim With Allstate
Sometimes, Allstate will deny a motorcycle accident claim if they do not believe they are the appropriate party to pay the claim. This type of denial is usually because Allstate doesn’t see sufficient evidence to prove their client was fully or mostly responsible for the motorcycle accident.
If you can provide documentation proving that Allstate’s client was at fault, you could resubmit your claim with this information. A lawyer with experience handling Allstate motorcycle accident claims can help you determine what information to provide.
Many states, including Louisiana, have comparative negligence laws that can affect how you proceed with your insurance claim. Comparative negligence operates under the assumption that many accidents are at least partly the fault of all parties involved.
They establish a calculation by which fault is determined and base settlements on the percentage of fault held by each party.
For example, if you are found to be 25% at fault for the motorcycle accident that caused your injury, the settlement you could claim from the other party would be reduced by 25%. The calculations tend to be more complicated and can significantly affect the outcome of both insurance negotiations and motorcycle injury lawsuits.
An Attorney Can Help You Negotiate Your Allstate Motorcycle Claim
A lawyer who has experience handling motorcycle accident claims will be aware of the motivations and methods of Allstate and the other insurance companies involved in your claim. They will know the kinds of information needed to establish fault and determine a fair settlement value and can cut through the bureaucratic red tape common in insurance claims.
Insurance companies may try to offer you a lowball settlement or deny your claim when you are working alone. They may not expect clients to fully understand the complexity of laws and insurance negotiations and could take advantage of your lack of experience.
With an attorney, they will often cut to the chase and avoid questionable negotiation tactics simply because they know the attorney will recognize them.
Complete a Free Case Evaluation form now
You May Need To File A Motorcycle Accident Lawsuit Against The Liable Party
If the insurance company refuses to pay out your claim, even though you have solid legal standing, you may need to file a personal injury lawsuit against the at-fault party. An attorney familiar with local and state laws can help you navigate the process to determine if you have a case.
If you decide to move forward with a personal injury lawsuit, it is even more important to have an attorney to assist you. Most states set a legal limit on the amount of time you have to file a lawsuit. Insurance companies know this and will sometimes try to extend negotiations past this date to prevent you from pursuing additional legal action.
Your lawyer will be aware of these legal deadlines and ensure your complaint and all other court documents are filed in a timely manner. They will also compile evidence to support a determination of fault and establish a fair value for your claim.
Contact Us To Discuss Your Allstate Claim
If your motorcycle accident claim was denied by Allstate, the injury attorneys at Laborde Earles Injury Lawyers can help. Reach out to us today for help with your Allstate motorcycle injury claim.