After a motorcycle accident, you may have extensive injuries and property damage. Louisiana Farm Bureau Insurance is one insurance company that may help to cover the cost of damages from the accident.
However, they may deny your motorcycle accident claim. When this happens, it is critical to review the reasons for the denial and take the appropriate steps to contest it or remedy the situation. In some cases, getting help from an attorney is crucial.
The Damage of Motorcycle Accidents
Accidents involving motorcycles can cause damage to people and property. You might need to replace your motorcycle after an accident, depending on the extent of the damage. Sometimes, motorcycle accidents can cause long-lasting injuries or even permanent disabilities.
As a motorcyclist, you could experience a traumatic brain injury, a spinal cord injury, or fractures that take a long time to heal. You may have to take time off from work or other activities while you recover. Medical bills can add up quickly, depending on the treatment you require. These costs are why people get insurance, which should help to cover your expenses related to the accident.
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Insurance Coverage in a Motorcycle Accident
According to Louisiana Civil Code 2323, Louisiana is a comparative fault state. This means that the person responsible for a motorcycle accident must pay for the accident’s costs. Sometimes, this means that your insurance might pay for some of the damages if you were partially responsible for the accident. In other cases, the other driver’s insurance might be responsible for covering the accident costs.
When filing your motorcycle accident claim, you must be honest and thorough with the information you provide to the insurance company. Louisiana Farm Bureau Insurance offers several insurance plans to its customers. Similar to other insurance companies, they offer motorcycle and other forms of auto insurance.
Why Might Louisiana Farm Bureau Deny My Motorcycle Accident Claim?
Louisiana Farm Bureau Insurance could deny your claim for several reasons: some legitimate and some that you will be able to contest. Some common reasons for denial are:
- The damages go beyond what is covered by the insurance policy.
- You failed to file your claim within the deadline.
- You tried to recover payment for injuries that were not caused by the accident.
- You incorrectly filed the paperwork for your motorcycle accident claim.
Sometimes, you will need to pay the costs not covered by insurance out of pocket. For example, if the insurance policy you have only covers up to a certain amount, you might not be able to get additional coverage. Or, if you failed to file your claim within the deadline, you will likely not receive a payment from the insurance company.
Sometimes, the reason for the denial is illegitimate. For example, the insurance company might claim that your injuries were not caused by the accident. In this case, you can work to present evidence that demonstrates the full extent of your injuries were caused by the accident. In some cases, it can be helpful to work with a motorcycle accident lawyer to negotiate with the insurance company.
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Working with a Motorcycle Accident Lawyer After an Insurance Claim Denial
A motorcycle accident lawyer can help you understand your legal options after a motorcycle accident. They can help you negotiate with the insurance company to reach a fair settlement. Most of the time, this negotiation process does not result in a lawsuit, but if necessary, your lawyer can assist you with filing a motorcycle accident lawsuit to help you recover compensation.
A motorcycle accident lawyer from the team at Laborde Earles Injury Lawyers may be able to help you in several areas. They can:
- Review your case and estimate how much you may be able to recover in compensation
- Negotiate with insurance companies and help you file your claim
- Advise you about accepting initial offers from insurance companies
- Work to present the evidence in your favor if the insurance company denies your claim
- Help you pursue further legal action as needed to help you recover appropriate compensation
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Get a Free Consultation Today for Help with Your Motorcycle Accident Claim
Our team at Laborde Earles Injury Lawyers is ready to assist you with your motorcycle accident claim. We will carefully review the facts of your case and work to get you the compensation you deserve. We understand that it can be complicated to handle on your own. We want you to have the knowledge you need to understand your options and move forward after your motorcycle accident.
You can contact us today for a free consultation.
Call or text (337) 777-7777 or complete a Free Case Evaluation form
