Indiana law requires you to reach out to your insurance provider within 24 hours of an accident. Motorcyclists who’ve invested in comprehensive insurance can often file an accident claim with their provider to secure the compensation they need to address their most pressing accident-related bills.
Unfortunately, some insurance providers may look at the facts surrounding a motorcycle accident case and choose to deny a client’s claim. If you have your claim denied, what action can you take? You’re not out of luck, fortunately. You can work with a motorcycle accident lawyer in Indiana to appeal that denial.
Vaughan & Vaughan’s Indiana personal injury representatives can communicate with an insurance provider on your behalf if the company denies your right to post-accident coverage. We can even take up a lawsuit against your insurance provider if it continues to refuse you the financial support that you purchased from its representatives.
Why Can Insurance Providers Deny a Motorcycle Accident Claim?
Today’s insurance providers tend to weave several exceptions to their policies into the contracts that they have you sign when you first purchase insurance. Those exceptions can sometimes give these companies the right to deny you compensation for a dangerous or deadly loss, but not always.
Many insurance companies may deny your motorcycle accident claim out of bad faith or an inherent bias against motorcycle-riding clients. Others may claim that your claim wasn’t formatted properly or that a minor error denies you the right to the financial protection that you’ve purchased.
Others still may argue that your post-accident costs exceed the amount of support you get through your coverage or that the evidence you’ve presented of another party’s liability doesn’t sufficiently prove fault.
How to React to a Denied Claim
If an insurance company denies your motorcycle accident claim, don’t give way to despair. Instead, you should contact an Indiana personal injury attorney. Our attorneys can look over the initial claim you submitted to your provider and determine why the company may have refused to offer you coverage.
We can then determine what course of action may best help you productively address the denial. Some of the most straightforward courses of action include the following:
Appeal the Denial
An insurance provider has an obligation to declare a denial of your motorcycle accident insurance claim by letter. You can begin composing a response once you receive written confirmation of a denial. You must do so quickly, as many insurance providers only allow you a few weeks to appeal their decisions.
You can work with an attorney to compose a written appeal outlining the reasons why you believe the insurance company’s denial inaccurately reflects the reality of your accident. Our attorneys can help you outline the nature of your accident in comparison to the nature of the coverage you’ve purchased.
We can additionally help you bring forward new evidence elaborating on motorcycle accident fault as well as the value of your losses. Once we have this information in hand, we can submit your appeal to the insurance provider and wait for them to reconsider the new evidence.
Unfortunately, some insurance providers may attempt to give you the runaround when you submit a claim appeal. When you have an attorney on your side, though, you can ensure that you stay in consistent communication with your provider and thus keep the appeals process moving smoothly.
Take Your Losses to Civil Court
If an insurance provider denies your appeal or appears to treat your initial claim with unprofessional disdain, you have legal options available to you. You can work with a personal injury lawyer not to file an appeal but rather to take your case for compensation before a civil judge.
In other words, you can sue an insurance provider for a bad faith rejection or failure to appropriately provide you with post-accident support. If you want to take up a claim against your insurance provider, though, you must do so within Indiana’s personal injury statute of limitations. Indiana Code section 34-11-2-4 caps your actionable time at two years.
Fortunately, with an attorney on hand, you can file your claim long before that deadline passes you by. We can use evidence found at the accident scene to outline liability for your losses, calculate the value of those losses, and argue that an insurance provider bears financial responsibility for your recovery.
Motorcycle Accident Attorneys Interface Can With Insurance Providers for You
If an insurance provider and its employees treat you poorly, or if you’d rather avoid communicating with a provider entirely, you can rely on Vaughan & Vaughan’s personal injury attorneys to interface with that company on your behalf.
Our mediation serves two purposes. With us at the helm of your case, you get to focus on recovering from your motorcycle crash-related injuries. We can also ensure that neither you nor your claim uses any verbiage that might deny you your right to maximized compensation as your case progresses.
Working With a Motorcycle Accident Lawyer Can Prevent an Initial Claim Denial
If you want to avoid a denied claim in the first place, consider bringing your losses to an attorney’s attention before you begin communicating with an insurance provider. While our attorneys can’t guarantee that an insurance provider will recognize your right to compensation, we can help you build up and format your initial claim for the greatest chance of success.
You Can Request Legal Representation Today
Motorcycle insurance providers may offer you financial protection in the wake of an accident, but these institutions operate as any other corporation does. An insurance company will take what steps it believes appropriate to preserve its bottom line. That may mean denying you an insurance claim even when you deserve appropriate coverage.
The good news is that you don’t have to let that denial go unanswered. You can work with Indiana motorcycle accident lawyers to either appeal a denial or take your claim before a civil judge. Vaughan & Vaughan have personal injury attorneys throughout Indiana who can look over your case and offer you the representation you need to fight for post-accident support.
You can contact Vaughan & Vaughan representatives online or by phone today to schedule your first denied claim case consultation.
