What if My Pedestrian Accident Claim Was Denied by Esurance?

If your pedestrian accident claim was denied by Esurance, you can appeal the decision. This may involve reassessing your damages, gathering supporting evidence, and negotiating with the claims adjuster. You can also partner with a car accident lawyer who can manage all insurance-related matters. 

Why did Esurance Deny My Pedestrian Claim?

After denying your claim, Esurance should have given you a reason for the decision. It may have denied your claim because: 

• The liable party didn’t have appropriate coverage. If the other party didn’t have the appropriate coverage, Esurance may have denied your claim. 
• It acted in bad faith. Kelley Blue Book (KBB) notes that Esurance is one of the most honest insurance companies on today’s market. However, that doesn’t mean it acts in good faith one-hundred percent of the time. It may have denied your claim in an effort to save money or protect its bottom line. 
• There wasn’t sufficient evidence. You need to supplement your claim with evidence for it to succeed. Information could comprise the accident report, eyewitness statements, and photos of the accident scene. 
• The policyholder stopped making payments. Esurance allows for a 25-day grace period for late payments. If the policyholder doesn’t pay their premiums within that timeframe, Esurance can cancel their policy. 

These are just some of the reasons why Esurance may have denied your claim. Yet, no decision is final. You can partner with a pedestrian accident lawyer who can contest the denial and fight for what you need. 

Your Legal Rights After a Denial Claim

Here are some options you have in the aftermath of a claim’s denial: 

You Can Address the Claim’s Denial

You can review the denial letter and take action against the very reason for your case’s denial. For instance, if you need more information, you can find those items and send them to the insurer. You can also resubmit certain documents if you accidentally supplied the wrong information. 

You Can Partner With an Attorney

Our lawyers have decades of experience advocating for pedestrian accident claimants like you. Esurance is just one of the many insurers we’ve dealt with over the years, and we know how these companies work. Your lawyer can: 

• Negotiate with the claims adjuster
• Resubmit your demand letter 
• Make sure the claim was filed appropriately 
• Review the liable insurance policy
• Establish fault, liability, and negligence 

If all else fails, your lawyer can file a lawsuit against the negligent driver. You generally have two years to file your lawsuit, per CC Art. 3492. Your filing period begins from the date you suffered harm or discovered your condition. 

You Can File a Complaint

If you believe Esurance acted in poor faith when processing your claim, you can file a complaint with the Louisiana Department of Insurance (LDI). You’ll need to send: 

• Esurance’s written denial 
• Letters from your healthcare team asserting your condition’s severity 
• The claim you filed 
• Other supporting information 

The LDI will respond to your complaint within a week of receiving it. You can also report Esurance to the Better Business Bureau (BBB). This organization works to ensure all companies treat consumers fairly. You can learn more about this by consulting an attorney about your situation. 

A Pedestrian Accident Lawyer Can Do More Than Manage Your Insurance Claim

When you partner with our legal team, managing your insurance claim is just one of the services we provide. You can also trust that we’ll: 

• Investigate the reason for your collision. This relies on reviewing the accident report, consulting accident reconstruction specialists, and watching traffic camera footage. 
• Communicate with the insurance company. Some insurance companies pressure injured claimants into accepting less than they need. This can hurt your chances of recovering fair compensation for your hardships. We will answer all text messages, phone calls, and emails to fight for what you deserve. 
• Offer help on a contingency-fee basis. A pedestrian accident can generate thousands of dollars in damages––and that’s just for medical care. You shouldn’t have to worry about the cost of legal help. So, we ask for nothing initially to begin your claim. You only pay our attorney’s fees if we resolve your case. 
• Pursue pedestrian accident-related damages. Your damages may go beyond your medical bills. You may want damages for lost income, pain and suffering, and other related losses. Your lawyer will assess your situation and pursue what you need. 

Your lawyer will manage each of your case’s legal obligations while you focus on recovering. Time is limited to pursue an injury lawsuit, so you should consider your options now. 

Begin Your Free Case Review with Our Louisiana Pedestrian Accident Team

Laborde Earles Injury Lawyers has secured millions for injured claimants, including a $2 million award for a car accident victim. We’re ready to start pursuing compensation for your losses today. 

Don’t feel discouraged if Esurance denied your pedestrian accident claim. You have legal options. To begin your free case review, call now.