If you or a loved one received a claim denial from Nationwide for a bicycle accident, you can appeal the decision with Nationwide or pursue additional legal action.
Nationwide is an insurance and financial services company that provides various insurance policies to customers across the U.S. Similar to most insurance companies, Nationwide increases profits by paying as little as possible for claims. They may do this by reducing the value of a claim or denying it altogether.
Nationwide May Deny Your Bicycle Accident Claim For Many Reasons
While there is no official deadline in Louisiana, the insurance company must respond to your claim “reasonably promptly,” per RS 22:1964. If Nationwide has denied your accident claim, you will receive a letter detailing the reasons for the rejection. Usually, the company will also indicate how long you have to file an appeal.
Insurance claim denials are extremely common, and Nationwide could reject your claim for any of the following reasons:
- Invalid policy information
- Lapsed policy
- Claim not covered by policy
- Claim exceeds policy limits
- Insufficient proof of fault
- Inadequate documentation to prove claim value
- Incorrect or missing information or documents
Use the details in your denial letter from Nationwide as a guide to determine what additional information you can provide in your appeal.
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Submit An Appeal To Nationwide For Your Bike Accident Claim
The first option you have after you receive a letter denying your bicycle accident is to submit an appeal to Nationwide. In an appeal, you can provide missing information, supporting documentation, and other evidence to prove your claim.
For example, suppose Nationwide denied your claim because you did not provide proof of your injuries. In that case, you can resubmit the claim with medical records, photographs, doctor’s statements, and other evidence to prove your injuries.
Before you submit an appeal to Nationwide, it is wise to speak with a bicycle accident attorney familiar with Nationwide and other insurance companies. They can review your case and help you provide the information you need for a strong appeal.
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Pursue A Lawsuit Against Nationwide Or The Party Who Caused Your Bicycle Accident
Insurance companies are notorious for denying claims, even when they are valid, hoping the claimant will take the loss and stop pursuing compensation. If your appeal is also denied, but you believe you have a valid claim, you can pursue legal action against Nationwide for wrongful denial of your claim.
To be successful in a lawsuit, you must prove that your claim is valid under the law and Nationwide’s policy. Your lawyer can help you determine whether a lawsuit is appropriate for your situation.
If your insurance claim was declined for a valid reason, you may be able to seek compensation for your losses through a personal injury lawsuit. To win compensation, you must be able to prove that:
- The responsible party acted negligently
- They were mostly or fully responsible for the resulting accident
- You were injured in the accident
- You suffered financial damages due to the accident
Personal injury lawsuits can be complicated, as there may be multiple at-fault parties, and Louisiana law has complex negligence laws (CC Art. 2323).
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A Bike Accident Injury Lawyer Can Assist With Your Appeal Or Lawsuit
Whether you are submitting an initial claim with Nationwide, appealing a denied claim, or seeking compensation through a lawsuit, you can benefit from the services of a Louisiana injury attorney. A lawyer will guide you through the claims process, conduct negotiations on your behalf, and handle the legal filings if it comes to a lawsuit.
When you are injured in a bicycle accident, the last thing you need to worry about is aggressive insurance negotiators and legal footwork. With an attorney representing your interests, you can rest assured that you will have the best chance for a desirable outcome and fair settlement.
At Laborde Earles Injury Lawyers, we understand the difficulties you face after a severe bicycle accident, and our goal is to reduce your stress by taking care of your legal needs. We will keep you apprised of each step of the appeal and negotiation process. If we determine a lawsuit is in your best interests, we will advise you and help you make an educated decision.
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Laborde Earles Injury Lawyers Will Provide The Legal Support You Need
If you or someone you love has suffered an injury in a Louisiana bicycle accident, and your claim was subsequently denied by Nationwide, the lawyers at Laborde Earles Injury Lawyers are here to help. Our injury attorneys boast more than 250 years of combined experience, and we will leverage our knowledge and resources to seek a fair settlement on your behalf.
Contact our office today to learn more about our legal services and how we can support your Nationwide appeal or lawsuit.
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