Getting into a motorcycle accident can be scary, and the aftermath can also be overwhelming. Nationwide is one insurance company that might be responsible for covering your damages after a motorcycle accident. However, sometimes claims are not straightforward. There are situations where Nationwide might deny your motorcycle accident claim.
When these denials happen, you may have the option to contest the denial. A qualified motorcycle accident attorney can help you negotiate and communicate with the insurance company throughout the process. They will be able to find out specific reasons for the denial as well as figuring out the best next possible steps to take.
Coverage from Nationwide Insurance
Nationwide Insurance is a popular insurance company, providing coverage like auto and other forms of personal insurance and protection. The group has a variety of coverage deals and policies for its customers to utilize. Most policies are customizable with different types of add-ons.
For example, they offer comprehensive and collision coverage. They also provide coverage for damage if you are in an accident with an uninsured motorist and bodily injury liability insurance. What is covered by the insurance should be appropriately laid out in the insurance policy.
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Potential Damages in a Motorcycle Accident
The damages in a motorcycle accident can range from mild to severe. Sometimes it can take a while to recover, and in other instances, injuries can lead to permanent disability. For example, you may break several bones in a motorcycle accident. In this case, you might need emergency treatment, follow-up corrective surgeries, and physical therapy to get back to your previous level of functioning.
In addition to your physical injuries, your motorcycle might also have severe damage. You may need to repair or replace the bike altogether. Throughout your recovery process, you might have to take time off from work, or you might not be able to perform your job in the same capacity as before the accident. You might even be suffering from emotional trauma caused by an accident.
Coverage from an insurance company like Nationwide should help to cover things like your medical costs and the costs of repairing your motorcycle after the accident.
Coverage in a Motorcycle Accident
Under Louisiana law, the person or group responsible for the accident pays for the costs of the accident. If another vehicle hit your motorcycle, the driver would likely be responsible for the accident and would need to cover the cost of at least some of the damages. A judge may find you both at fault and determine how costs should be covered.
For example, the other driver’s insurance may cover the costs to repair your motorcycle or the medical bills related to your injuries. On the other hand, if you were responsible for the accident, your insurance should cover the damages. Or you may be found 30% responsible for the accident and the other party 70% responsible. It gets complicated when an insurance company denies your claim.
Reasons Nationwide Might Have Denied Your Motorcycle Accident Claim
If Nationwide denies your motorcycle accident claim, they should provide you with a clear reason for why. If they don’t, one of your first steps is clarifying the reason for the denial of the claim. There might not be anything you can do in some cases, and in other cases, it could be an easy fix. A few reasons Nationwide might deny your claim include the following:
- You failed to file your motorcycle accident claim within the appropriate time frame.
- You were at fault for the accident, or the insurance company claims your injuries were not caused by the accident.
- You provided the insurance company with inaccurate information.
- The damages are not covered based on the specific premium and insurance policies involved.
Depending on the reasons for the denial, you may have the option to contest the denial. Regarding this negotiation and presentation of the evidence, it can be helpful to speak with a qualified motorcycle accident lawyer.
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Working With a Motorcycle Accident Lawyer
A motorcycle accident attorney specializes in helping people get compensation after a motorcycle accident. Suppose you have been working with an attorney throughout the process. In that case, you should make sure you are in communication with them after facing an insurance claim denial.
You might also decide to work with a motorcycle accident lawyer after an insurance company denies your claim. A motorcycle accident lawyer will be able to help you read through the policy to determine how it applies to your accident. The lawyer might be able to also help you in the following areas:
- Review what happened in the case and the costs of the damages you sustained
- Help you work through contesting a denial, such as helping you accurately present the information that supports your claim.
- Negotiate with the insurance company on your behalf to reach a fair settlement
- Help you file a motorcycle accident lawsuit against responsible parties as needed
Begin Your Case Today With a Free Consultation
The legal team at Laborde Earles Injury Lawyers is ready to help you with your motorcycle accident case. We will carefully review your case, what happened, and who may be responsible. We will work to get you the compensation you deserve after your motorcycle accident. Don’t let time slip away as there may be many different deadlines within the legal system to file your case.
You can begin your case today with a free consultation. Contact us today to get started.