You purchase motorcycle accident insurance to avoid debilitating bills after an accident. Unfortunately, not every insurance provider has your best interests at heart. These institutions can deny your right to compensation for seemingly no reason, putting you in an increasingly-uncomfortable and even desperate financial situation.
What can you do, though, if a company denies your motorcycle accident insurance claim? Can an Indiana motorcycle accident lawyer help? Yes. The personal injury attorneys with Vaughan & Vaughan can help you appeal a claim denial or even file a bad faith lawsuit against your provider.
You don’t have to resign yourself to the ever-changing whims of your insurance provider. Let Vaughan & Vaughan know that you feel underrepresented. Our team can step in and advocate for the fair treatment that you deserve in the wake of a devastating motorcycle crash.
Why Might an Insurance Provider Deny Your Motorcycle Accident Claim?
Insurance providers can opt to deny you your right to post-accident coverage for a myriad of reasons, some of them more reasonable than others. For example, if you don’t have enough coverage to recover your losses or if you have a particularly high deductible, the claim you file may not move forward.
That said, some insurance providers have an inherent bias against motorcyclists. As such, these providers may deny you your right to coverage out of bad faith. Others may claim that you improperly formatted your complaint and thus can’t receive the compensation you deserve.
Insurance companies have an obligation to tell you that they’ve denied your claim within a reasonable amount of time following your filing. An insurance company that never gets back to you or insists that they need more information before they can process your claim may be guilty of misconduct.
Fortunately, you can discuss all of these instances and others like them with an attorney.
Taking Action After a Company Denies Your Claim
If you want to respond to an insurance provider’s attempt to deny your motorcycle accident claim, you can:
Appeal the Provider’s Decision
Most insurance providers have a formal process in which you can argue that they misunderstood or misrepresented the losses you endured in your motorcycle accident. You can file an appeal with your provider after they deny your claim, but only if you can present new evidence elaborating on your right to compensation.
You do not have to re-investigate your accident alone, nor do you have to try and teach yourself how to format your claim. You can call on an Indiana motorcycle accident lawyer to lend their expertise to your case instead.
Take Your Motorcycle Accident Case to Civil Court
If you can bring forward evidence indicating that an insurance provider initially denied your motorcycle accident claim out of bad faith or under malicious circumstances, Indiana’s civil judges can help you secure compensation for your losses in court. You need to file a personal injury claim with the courts, however, to initiate this process.
Indiana Code section 34-11-2-4 dictates the amount of time in which you have to bring a personal injury claim against an insurance provider after a motorcycle accident. If you can’t bring your claim forward within that two-year period, you may lose your right to compensation won through Indiana’s civil justice system.
What Motorcycle Accident Attorneys Do for You
Motorcycle accident lawyers in Indiana can work to make it as easy as possible for you to pursue compensation through an insurance provider after a crash. These parties can interface with your provider on your behalf, making it more difficult for said provider to deny you your right to compensation based on formatting errors or other technicalities.
If a provider denies your claim, our attorneys can look into the reasons why and argue for your right to fair compensation. We do this by appealing the provider’s decision via a formatted claim and even speaking with a provider’s representative over the phone.
We’re also prepared to represent your best interests in civil court should the need to do so arise. If your insurance provider refuses to acknowledge your right to a claim, we can take evidence of your right to support to a judge and accuse the liable provider of denying you coverage in bad faith.
We do all of this while giving you the time and space you need to recover from your injuries and get your life back on track. What’s more, Vaughan & Vaughan offers these services on contingency, meaning you never have to worry about legal fees. Instead, we only get paid for our services if we win your case.
Let Vaughan & Vaughan Defend Your Right to a Motorcycle Accident Claim
Our motorcycle accident lawyers understand the different ways an insurance provider may try to deny you compensation for your losses. We don’t let that chicanery go unanswered. You can reach out to our team in the wake of a claim denial and discuss what courses of action may help you win the compensation you need to recover from a crash.
You can reach Vaughan & Vaughan by phone or by submitting a request for a consultation through our online contact form. We’re ready to investigate your losses and interface with an insurance company on your behalf.