If your motorcycle accident claim was denied by GEICO, the company should explain to you in detail why they dismissed it. They cannot deny first or third-party claims without due cause. Otherwise, the insurance provider would be liable for breaking Louisiana’s good faith insurance laws.
Let us investigate the possible causes for your denied claim and what you can still do to seek compensation from the at-fault motorist or party.
Under What Grounds Can GEICO Deny My Accident Claim?
Like other insurance companies, GEICO may deny your motorcycle accident claim for reasons like:
- You lack proof of your injuries or motorcycle damages.
- You did not get medical attention right after the accident, making them suspect your claim was fraudulent.
- The policyholder (the at-fault party) caused the motorcycle accident on purpose. GEICO and insurers, in general, do not cover intentional tort claims.
- The liable party’s policy limits are insufficient for paying your total damages.
- GEICO has just terminated the other side’s policy (for instance, they missed the final deadline for their premium payment)
For a free legal consultation, call (337) 777-7777
How Does GEICO Investigate Motorcycle Accident Claims?
To understand why GEICO decided to deny the claim, we should also know how they are supposed to investigate it:
- One of GEICO’s liability examiners will review the auto insurance policy to determine the full extent of the coverage and whether the client’s policy is still valid.
- They then will try to contact all involved parties for their accounts of the motorcycle accident. They will also examine the relevant state and local laws, police reports, and other evidence, such as photos and video footage.
- The liability examiner will evaluate all available information before deciding whether your claim is legitimate and whether you can recover damages for your losses.
Can I File A Complaint For A Wrongfully Denied Claim?
If you suspect that GEICO wrongfully denied your motorcycle accident claim, you can file a complaint with the Louisiana Department of Insurance. The government agency is responsible for reviewing various insurance-related disputes in the state, such as claim denials.
Should the Department of Insurance find that GEICO acted in bad faith, they will penalize the company accordingly and have them pay the damages owed to you— along with additional compensation for their wrongdoing.
Remember that the Department can only investigate complaints and correct insurers who violated the state’s insurance laws. They cannot decide who is liable for the motorcycle accident.
How Do I File The Complaint With The Department Of Insurance?
The Louisiana Department of Insurance lets you file your motorcycle accident claim complaint online. However, you can also print out a form and mail it to the Office of the Commissioner at Baton Rouge. In your complaint, you should include details such as:
- Name, address, and contact information
- Who the policyholder is (if filing a third-party claim) and their policy number
- The insurance company in question and their address (in this case, GEICO and the office where you filed the claim)
- The date of the motorcycle accident claim
- Your problem and why you believe GEICO was wrong for denying the claim
Furthermore, the Department of Insurance will also want other documents, including a copy of the claim and your correspondence with GEICO, their agents, and other involved parties like your accident lawyer and the doctor handling your medical care. The motorcycle accident lawyer can help you comply with the filing requirements for your Department of Insurance complaint.
After receiving your complaint, the Department of Insurance may take around 45 days to investigate the matter. If you have new details to share, you are encouraged to send them to further assist with their investigation.
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Are There Other Compensation Options Besides A Claim With GEICO?
If GEICO made a valid claim denial, you still have other ways to recover motorcycle accident damages. For many accident victims, their next option would be to file an accident lawsuit against the at-fault party. The amount owed to you would be decided by the civil court, not GEICO’s claim adjusters.
The liable party may also propose settling the matter privately to avoid going to court. You could consider having a lawyer help build and review your lawsuit before filing it. They can also speak on your behalf during the proceedings.
Consult With Our Motorcycle Accident Lawyers
Getting a claim denied by GEICO does not have to be the end of the line for you. If you are the injured party in a Louisiana motorcycle accident, Laborde Earles Injury Lawyers can review your compensation options to determine which would work for your situation. Our accident attorneys can also provide legal representation when facing the insurance company or heading to court.
You can submit your motorcycle accident details through this website to request a free consultation. You can also call us anytime, as the team is here 24/7 to handle your concerns.