As the oldest insurance company in the country, Amica Insurance has a long-standing reputation for providing compensation to drivers after an accident in Louisiana. Unfortunately, Amica denies many claims every year, even valid ones.
What if your truck accident claim gets denied by Amica insurance? In this situation, you have options to continue seeking compensation for your losses. Learn more about your options with our team at Laborde Earles Injury Lawyers.
Call us or complete our online contact form for answers to your questions.
What Happens If An Amica Insurance Claim Gets Denied?
What can you expect if Amica insurance denies your truck accident claim? In this situation, expect to receive a denial letter from the insurance company. This letter should contain information about why Amica Insurance denied your claim.
Does this mean that you cannot seek compensation for your medical expenses, vehicle repair costs, and other losses? Fortunately, you still have options to cover these losses.
You can work with a Louisiana truck accident lawyer to request an internal appeal of the denial, asking Amica Insurance to reconsider their denial.
For a free legal consultation, call (337) 777-7777
How Do You Fight A Truck Insurance Claim Denial?
Amica Insurance may deny claims in an attempt to protect their bottom line. They have the resources to deny many claims. Fortunately, you do not have to try to take them on alone. You can work with a truck accident lawyer.
A lawyer can fight an Amica Insurance denial by:
Determining The Reason For The Denial
Lawyers go over the denial letter sent by Amica Insurance to assess why the company denied your claim. Sometimes, insurance companies reject claims due to simple errors. In other cases, they may simply want more information. Sometimes, however, they deny claims in bad faith.
Acquiring Additional Proof
Truck accident lawyers can gather proof to strengthen your insurance claim. They may reapproach Amica Insurance with:
- Your police report
- Medical records pertaining to your injuries
- Records from vehicle repair companies
This documentation can resolve many Amica Insurance truck claim denials.
Filing An Appeal
Your lawyer can take care of filing an appeal for you with Amica Insurance. Lawyers get all your paperwork in order and then request an internal review of the claim. In many cases, this allows the insurance company to reconsider their initial decision, providing you with compensation.
Filing A Lawsuit
Of course, Amica Insurance may decide to deny an appeal, as well. In this situation, a lawyer may advise you to file a lawsuit against the driver who caused your truck accident. Lawsuits provide you with an additional option to secure compensation for your losses.
Why Would Amica Insurance Deny A Truck Accident Claim?
Amica Insurance denies truck accident claims in Louisiana for a number of different reasons. Understanding the reason for the denial can help you identify your legal options. For example, sometimes Amica Insurance denies claims for valid reasons, which could include:
- You do not have applicable coverage to handle your accident
- You are not a driver covered on the insurance policy
- Your vehicle was not covered on the policy
In these cases, you may have limited options to further pursue compensation. However, you could have a chance to request an appeal if you filed an incomplete claim and received a denial. Providing AMICO Insurance with further information could cause them to reverse their decision.
You can learn more with a truck accident lawyer serving Louisiana.
Will Your Amica Insurance Go Up If A Claim Is Denied?
In some cases, yes, Amica Insurance may raise your insurance premiums after you file a claim, regardless of whether or not they approve the claim. Note that you may also file a claim with the other driver’s insurance company.
A lawyer can help you understand the steps for filing a claim with your insurance company or a third-party claim with another individual’s insurance company.
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How Long Do You Have To File An Amica Insurance Truck Accident Claim?
Generally, you only have one year to file a claim with an insurance company after an accident in Louisiana. CC Art. 3492 covers information about Louisiana’s statute of limitations. After this period expires, you do not have a legal ability to seek an insurance settlement.
Therefore, the professionals recommend that you move quickly to file a claim after an accident involving a tractor trailer, 18-wheeler, semi-truck, or another large vehicle. Getting help right away can minimize the stress associated with seeking compensation.
Contact Us After Amica Insurance Denies Your Claim
What if your truck accident claim was denied by Amica Insurance in Louisiana? In this situation, you have the ability to file an appeal, work with a lawyer, or even go to court. Explore all your options with our team at Laborde Earles Injury Lawyers.
You can secure professional help after a truck accident by completing our online contact form or calling us for a free consultation.