Esurance is one insurance company that may cover the costs related to your motorcycle accident. In theory, the insurance company of the person responsible for the accident should cover the cost of the damages. Sometimes an insurance company is reluctant to cover any costs due to how certain policies work, which is where a lawyer is useful. A lawyer would be able to review a policy and contact the insurance company to determine how a policy should pay out for certain accidents.
After filing your motorcycle accident claim, you should receive appropriate funds to cover your motorcycle accident costs. However, in some circumstances, Esurance might deny your motorcycle accident claim altogether. In these instances, you might be able to contest the denial. A qualified attorney can work with you and negotiate with the insurance company on your behalf. Working with an attorney can make the process easier and increase your chances of approval of your motorcycle accident claim.
The Impact of Motorcycle Accidents
Motorcyclists only have limited protection while they are on the roadway. So, when accidents do happen, the results can be devastating. For example, your motorcycle might have to undergo extensive repairs after an accident. Or you may even need to get your bike replaced. Some bikes may be more difficult or costly to replace as they may be vintage models.
As a motorcyclist, you may also have extensive injuries after a motorcycle accident. For example, you may experience spinal cord injuries, fractures, or other high trauma injuries requiring emergency medical attention. Recovering from a motorcycle accident can take extensive time, and medical treatment can be costly. In theory, insurance companies can help to cover these accident-related costs. After all, coverage for accident damages is the main reason people get insurance.
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The Work of Esurance
Esurance is a popular insurance company that offers a variety of coverage for its clients. They cover many different makes and models of vehicles as well as costs associated with different types of accidents. Their insurance coverage typically helps to cover the following, depending on the insurance plan:
- Damages to your vehicle
- Medical costs related to your injuries or the injuries of other passengers
- Liability coverage
If the responsible driver has Esurance, Esurance should, in theory, cover the costs related to the accident, such as damage repairs and medical treatment. The exact amount will depend on the policy involved and the extent of the damage caused by the accident.
Reasons Esurance Could Have Denied Your Motorcycle Accident Claim
Typically after filing a claim through Esurance, you would expect to get a payment to cover the costs of your motorcycle accident. But sometimes, Esurance might deny your claim, meaning they inform you that they will not cover the damages’ costs.
Sometimes, this can happen through errors on your part or an unclear presentation of the evidence. Esurance might give the following reasons for your claim’s denial:
- Your damages and injuries were not actually caused by the motorcycle accident
- You didn’t file your motorcycle accident claim in time
- You were responsible for the accident rather than the client of Esurance
- The Esurance policy in question does not apply to your motorcycle accident claim
The reason for the denial will impact any further action you can take with your motorcycle claim. An experienced lawyer will be able to evaluate all factors involved and determine how to proceed with a denial. They will be in direct communication with the insurance company to figure out exactly what happened.
Steps to Take After an Esurance Denial
It’s easy to be concerned after an Esurance denial. It’s important to stay calm and focus on accurate data collection. Consider the following steps you can take after an Esurance denial:
- Review the reason for the denial.
- Verify if there is anything you can do to contest the denial or any simple steps you can take to approve your claim.
- Go through the steps provided by Esurance to challenge the denial as applicable.
- Consult with an attorney to help you through contesting or appealing a denial.
- Review further legal action you can take if Esurance continues to deny your claim.
Working with an attorney can be helpful in your motorcycle accident case. For example, your attorney can help negotiate with insurance companies for fair compensation. They can also work to present your case to an insurance company in a way that decreases your chances of a denial.
Working with an attorney can make the process less complicated and increase your chances of recovering compensation. They know all of the legal jargon the insurance company might use against you. In some cases, you might choose to pursue a motorcycle accident lawsuit. A lawyer can further assist you through this process.
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Schedule a Free Consultation Today to Get the Help You Need in Your Motorcycle Accident Case
Laborde Earles Injury Lawyers is a legal team prepared to help you with your motorcycle accident case. There may be several different limitations that prevent you from filing your case past a certain date. Once some of these dates have passed it will be more difficult to get the legal process started. Missing one of these deadlines could prevent you from getting the justice you deserve.
You don’t have to handle the fallout of your motorcycle accident case by yourself. You can contact us today to begin your case with a free consultation. By contacting one of our lawyers today you will be avoiding missing any important legal deadlines. We will work with you to explore your legal options so that you can get the compensation you need after a motorcycle accident. Our lawyers will go over all of the evidence of what happened in your case and fight for you every step of the way.