If your motorcycle accident claim was denied by USAgencies Insurance, you can file an appeal and settle the claim to recover the compensation you need to pay for medical expenses, lost income, and other damages. That’s because a denial from your insurance company or the other motorist’s insurance company isn’t the end of the road.
Many insurance companies, including USAgencies, may deny motorcycle accident claims for any reason. But you can work with a lawyer to file an appeal, negotiate a settlement, or sue for the compensation you deserve.
Reasons USAgencies May Deny Your Motorcycle Accident Claim
Insurance companies don’t want to pay out the coverage that motorcycle riders like you pay for or depend on from other insured motorists after an accident. These companies use various tactics to undermine claims or deter you from pursuing further action after denying your claim.
Here are some of the major reasons USAgencies may have denied your motorcycle accident claim:
It Believes You Are At Fault For The Accident
There are many biased beliefs about motorcycle riders, including that they drive dangerously and recklessly. Insurance companies like USAgencies or their insured drivers may try to place blame on you using these biases. They may claim that you were speeding, lane splitting, or otherwise driving negligently before causing the accident.
This is common when USAgencies is the other motorist’s insurer. However, if you have a policy with this company, it may still apply these biases when investigating your claim.
It Does Not Want To Pay Your Claim
Motorcycle accidents tend to result in serious damage and injuries, which can cost a lot of money. Insurance coverage can help pay for these incidents, but insurance companies like USAgencies may try to deny your claim to avoid having to pay out.
In addition to biases, it may also claim that your policy doesn’t actually cover the accident or the damage from it.
The USAgencies Motorcycle Insurance Policy Lapsed
Like all other types of insurance, you must pay the monthly premiums to maintain insurance coverage. If you failed to make a payment on your USAgencies motorcycle insurance policy, your policy may have lapsed, which means you are no longer eligible for coverage until you make the missed payments.
If the other motorist did not pay their monthly payment for a USAgencies policy, their coverage may have lapsed at the time of the accident. If so, the insurer may reject your claim because of that.
You Did Not Alert USAgencies Of Your Accident On Time
You should let your insurance company know about your motorcycle accident as soon as possible so you can start the claims process promptly. Not reporting an accident to your insurance company or the other motorist’s insurance can be a reason for insurers, including USAgencies, to deny your motorcycle accident claim.
Generally, you must report an accident within a few days to a few weeks, depending on the policy’s terms.
Laborde Earles injury was great for me they took care of me very fast and professional. If for any reason I need legal help they will be who I use.
ClientHow To Appeal A Denial From USAgencies Insurance
You can follow these steps to appeal a motorcycle accident claim with USAgencies:
- Ask for a written explanation of why the insurer denied your claim. If USAgencies doesn’t provide a reason why your claim was denied, contact the insurance company for a written explanation. You have a right to know why it rejected your claim so that you can make a formal appeal.
- Gather evidence to support your motorcycle accident claim. After getting the insurer’s reason for the denial, you can gather all the evidence you need to prove your side of the story. You should collect witness testimony and contact information, photo and/or video footage of the accident, evidence of property damage, medical bills and records, and the accident report.
- Write an appeal letter. Use your evidence to prove the other driver was liable for the accident and state why your claim is valid.
- Negotiate a settlement with the insurance company. In some cases, just asking for a reason for denial will prompt an insurance company like USAgencies to offer a settlement. In most other cases, writing an appeal letter with your evidence will start the negotiation process.
- File a lawsuit against the insurance company. If you try negotiating with USAgencies, but the amount of the settlement isn’t reflective of your damages, you can sue the company for a worthwhile settlement.
- Hire a motorcycle accident lawyer to help with the process. You can navigate much of this process on your own, but a lawyer can take the pressure off you and your family while you recover from your motorcycle accident. Our motorcycle accident lawyer can handle all communications, paperwork, negotiations, and hearings with USAgencies for you as needed.
I thank God for Digger & David. I don’t know what we would have done if it hadn’t have been for them.
Rick Smith | ClientGet Help With Your Motorcycle Claim Today
Laborde Earles Injury Lawyers’ motorcycle accident attorneys can take the lead if USAgencies or another insurance company denies your motorcycle accident claim. The earlier you start the process, the more time our team can work on your behalf for a possible settlement that helps you cover your expenses.
Contact our office today for a free case review. We can answer your questions and advise you on what steps to take next.
