If Louisiana Farm Bureau dismisses your truck accident claim, you can still file an appeal to have the decision reconsidered. The insurer would then examine the claim to see if any mistakes were made during the inquiry and decision-making process.
Still, it could deny your claim a second time––leaving you unsure about recovering damages. In that case, you can partner with an injury lawyer. They can manage the claims process and pursue damages from the liable party.
Why Would Louisiana Farm Bureau Deny My Claim?
Louisiana Farm Bureau may have denied your claim because:
- The policyholder’s coverage lapsed. If the at-fault party didn’t maintain the minimum amount of required coverage, the insurer would have no obligation to pay your claim. To maintain coverage, one must pay their monthly premiums.
- It claims you filed your case too late. All insurance companies have deadlines for accepting claims. The insurer may deny your claim if too much time has lapsed between the accident and the claim’s filing.
- It believes you caused the collision. Louisiana operates on a fault-based insurance system. If the insurer believes you caused more than half of the accident, it would deny your claim.
- The at-fault driver acted with egregious negligence. Some insurers don’t cover accidents their clients cause through intentional recklessness. For instance, if the truck driver was under the influence of alcohol, the insurer may deny liability––putting the financial obligation directly on the trucker.
- Louisiana Farm Bureau wasn’t convinced of your injuries’ severity. You need evidence to have a successful claim. If you don’t have compelling evidence of your injuries and damages, this could affect your claim’s outcome.
Louisiana Farm Bureau must explain in writing why it denied your claim. This gives you the opportunity to address the issue and pursue the claim. A truck accident lawyer can manage this process and appeal your claim’s denial.
For a free legal consultation, call (337) 777-7777
You Have These Options If Louisiana Farm Bureau Denies Your Claim
If Louisiana Farm Bureau denies your claim:
You Can Sue The At-Fault Party
While most truck accident cases settle through insurance negotiations, this doesn’t always happen. If the insurer denies your claim, you can sue the at-fault party directly for damages. You must file your lawsuit in accordance with Louisiana’s statute of limitations. You generally have one year to file your case, and it begins “counting down” from the date of your collision.
You Could Pursue Another Liable Party
Truck accidents can involve multiple parties. Louisiana Farm Bureau could just be one of many involved insurers. If so, your lawyer can evaluate your options and file your claim with another liable party. That entity may receive your claim and offer what you need.
You Could Report the Organization To The Authorities
Not every insurance company manages claims in good faith. If you’re facing bad faith insurance practices, you can report the insurer to the Louisiana Department of Insurance (LDI).
Upon receiving your complaint, the organization will investigate. If it finds evidence of bad faith insurance practices, it could compel the liable insurer to pay you.
What Can I Receive Via An Insurance Settlement?
As noted, every motorist in Louisiana must carry liability insurance. This coverage pays for your losses if you suffer harm in a collision. Compensable losses in your case may comprise:
- Pain and suffering
- The cost of your necessary medical care
- Lost income and other job-related benefits
- Various out-of-pocket expenses
- Wrongful death-related losses, such as funeral and burial costs
When you partner with our truck accident team, we’ll evaluate your losses and calculate what you’re owed. Then, we’ll use your case’s evidence to negotiate with the insurer. Still, if it refuses to settle your case, we’ll examine your options and go from there.
We’ve Recovered Millions For Truck Accident Claimants in Louisiana
When it comes to negotiating with insurance companies, our team stands ready to champion your rights. You have enough on your plate after suffering harm in a collision. You don’t need to deal with pushy claims adjusters or unresponsive representatives, too.
Our team has years of experience settling truck accident cases. Some previous outcomes include:
- $7 million for an injured semi-truck driver
- $2.7 million for a truck accident claimant
- $1.8 million for an 18-wheel accident claimant
- $1.2 million for an 18-wheel collision claimant
These are just some of the results we’ve secured for injured people. We hope to do the same for you.
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Our Truck Accident Lawyers Offer Legal Help To Louisianans
Truck accidents can be costly to recover from here in Louisiana. While you can typically recover damages through an insurance claim, the insurance provider might dismiss it. If you have problems with your Louisiana Farm Bureau claim, you can always contact Laborde Earles Injury Lawyers. We can guide you through the appeal and complaint processes and serve as your legal representatives.
To begin your free case review, call now.