State Farm Denied My Auto Claim, What Next?

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If you’ve been in a car accident and State Farm denies your claim, you may be able to win compensation with the help of a Louisiana car accident attorney. The experienced team at Gordon McKernan Injury Attorneys have helped car crash injury victims for decades, and we can help you secure the compensation you need to heal from your injuries and move on with your life.

What Happens If My Insurance Claim Is Denied?

After you’re a victim of a Louisiana car accident, you may file an insurance claim seeking compensation for your medical bills, property damage, and other losses. State Farm is a popular car insurance provider, but despite their claim that “State Farm is there” after accidents, claims often get denied.

If State Farm does deny your claim, that means they’ve decided your losses aren’t covered under their policy for some reason. As such, they will not compensate you for the losses caused by your accident. However, a denial is only a first-time refusal of compensation and can be appealed.

Depending on your situation, a denial does not mean the end of the road in your search for compensation. If you act quickly, you have the right to appeal their decision. Take action, keep reading to learn your nesxt steps.

How Gordon McKernan Injury Attorneys in Louisiana Can Help After a State Farm Claim Denial

Louisiana drivers experience hundreds of highway crashes every year. If you or a loved one were in one of them, an insurance settlement can make a huge difference in your recovery. A car crash lawyer with Gordon McKernan Injury Attorneys can help while you file a claim with your insurance company, or with a third-party company representing the other driver. We can help with all of the following:

Reviewing the Denial Letter

If State Farm denies your insurance claim, they’ll send you a denial letter in the mail containing their reason for a denial and their position. We’ll review this letter and tell you about your options.

Filing a Demand Letter

After we review your denial letter from State Farm, we’ll draft a demand letter to send back to them. A demand letter states the facts of your case, includes rebuttals to State Farm’s denial reasoning, and requests an amount for damages based on your injuries and property damage.

Handling a Formal Appeal

You can appeal State Farm’s decision in a formal appeals process. Your car accident lawyer will file the necessary documents and present your case on your behalf.

Negotiating Aggressively

Even though they initially denied your claim, State Farm representatives could be open to negotiation about your compensation. Our lawyers understand the strategies that work, and we’ll work tirelessly to get you a fair insurance settlement from State Farm.

Filing a Car Accident Lawsuit

The vast majority of car accident claims are settled out of court. However, if State Farm refuses to settle fairly, we may advise you to file a lawsuit in order to secure compensation for your losses. Gordon McKernan Injury Attorneys have decades of experience arguing our clients’ cases in front of judges and juries, and we’ll passionately advocate on your behalf.

Is State Farm Known for Denying Claims?

Even though State Farm places third on U.S. News and World Report’s list of “Best Car Insurance Companies of 2023,” it still denies thousands of claims every year. State Farm, and in fact all insurance companies, are most concerned about their bottom lines—not the health and well-being of their policy holders.

Paying claims takes away from an insurance company’s profits, which is why they will look for any reason to deny yours. Even if they don’t outright deny your claim, State Farm representatives may make a low-ball initial offer and hope that you’ll take it. However, we understand that fully recovering from your injuries can include costs as diverse as

  • Medical expenses
  • Vehicle repairs or replacement
  • Lost wages
  • Pain and suffering

You don’t have to accept the initial offer the insurance company makes. You can appeal that initial offer and negotiate for a better settlement with the help of a Louisiana personal injury lawyer from Gordon McKernan Injury Attorneys.

Why Does State Farm Deny Claims?

Put simply, State Farm denies claims and offers low settlements to protect their profit margin. Depending on the facts of your case, State Farm agents might employ a number of bad-faith practices to avoid covering your losses, including the following:

  • Refusing to investigate your claim
  • Unreasonably delaying your claim
  • Making unnecessary demands for documentation
  • Misrepresenting the facts of your insurance policy
  • Failing to communicate

If you think State Farm is guilty of any of the above, call an experienced Louisiana car crash injury lawyer for help in seeking fair compensation today.

What Can I Do If My Car Accident Claim Has Been Denied by State Farm?

If State Farm denies your car accident claim, call a lawyer with Gordon McKernan Injury Attorneys today for assistance. A dedicated personal injury lawyer will listen to the facts of your case and provide a free consultation. If you hire us, we’ll work tirelessly to win you the compensation you deserve—if we don’t win, you won’t pay us a dime.

Call us today for a free legal consultation.