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Insurance Denial After a Lafayette Car Accident

If you were injured in a car accident that a negligent driver caused, you probably expected the at-fault driver or the insurance company to cover at least some of your medical bills, lost income, and other damages. However, insurance companies are businesses, and they look for any possible reason to deny a claim. If your insurance claim was denied, contact a personal injury lawyer to discuss your options.

There are typically two reasons why insurers deny claims: Either they think the claimant will accept the decision and walk away, or they do not think the claimant has a valid claim. It is important to remember, though, that insurers have financial incentive to deny claims, and they often do so without reasonable justification.

An auto accident attorney from Laborde Earles Law Firm can help you dispute the insurance company’s denial of your claim. During a free case evaluation, we will review your insurance policy and examine the facts of your case to determine if your claim may have been wrongfully denied. We will then gather the necessary evidence to support your claim including medical records, the police report, photographs of the crash scene, and witness testimonies.

If the insurance company offers an unfair settlement, we are not afraid to take your case to trial. Our attorneys have extensive litigation experience, and we have recovered more than $200 million for our clients in verdicts and settlements.

Retaining a Car Accident Attorney to File a Claim

You are not required to retain a lawyer to file an accident claim; however, the insurance company is more likely to take your claim seriously if it is filed by an attorney. If you file without a lawyer, the insurer may offer a low settlement under the assumption that you would not be willing to dispute the decision or take the case to trial.

Reasons Why Insurance Companies Deny Claims

Many drivers do not review their insurance policies carefully, and they wind up in financial turmoil when their accident claims are unexpectedly denied. Don’t make this mistake.

All drivers should know the reasons why their insurance carriers might deny a claim. According to Infinity Insurance, some of the most common reasons include:

  • The claimant waited too long to notify the insurer;
  • The insurance policy had expired or the policyholder was not current on premiums;
  • The claimant did not undergo a medical evaluation to prove the extent of any injuries;
  • The insurer argues that the injuries were pre-existing or caused by something else; or
  • The insurer believes the claim is not covered by the policy.

Contact Our Lafayette Car Accident Lawyers

If you believe that your auto insurance claim was wrongfully denied, turn to Laborde Earles Law Firm. Our attorneys have more than 100 years of combined experience protecting the rights of the injured. Call 800-522-6733 today to schedule a free consultation with a personal injury lawyer in Marksville.