What kinds of problems can emerge during the auto insurance claim process in Louisiana?

Baton Rouge, LA – Insurance policies can be confusing, because companies will only cover very specific types of losses included in the policy. That means if a person gets into an accident, their losses may only be partially covered or not covered at all depending on the damage and what kind of insurance they paid for. Due to the complexities of dealing with various problems caused by a car accident and the insurance process, legal advice should be obtained by anyone who is having issues. 

Insufficient coverage

Most standard liability policies cover between ten and twenty five thousand dollars worth of damage to property or for bodily injuries for an accident. It is certainly possible that a driver is involved in an accident that ends up being much more costly for a variety of reasons. However, the insurance provider will only pay out the amount given in the policy, and nothing more. 

Claim denials 

Some insurance companies simply deny claims, even if it appears that the damage in question should be covered. At times, this is an honest mistake that can be corrected, other times the companies are too heavy handed in their fraud prevention measures, which causes legitimate claims to be rejected. Review by a lawyer is usually the best option in this situation. 

Particular damage is not covered

A driver is only required to carry basic liability insurance. There may also be cases where the car needs to have collision insurance if it is financed by a bank or loan. This situation leaves the possibility that anything from theft, to severe weather or pest damage will not be covered unless the driver has purchased an additional comprehensive coverage policy. Due to the increased costs and low likelihood of this kind of damage, many drivers choose to not pay for comprehensive coverage or similar insurance policies that can start to become expensive without offering a return. 

When it may be best to not file a claim

If there is an accident with very minimal damage and no injuries that required medical treatment, it may be best to move on. The insurance company will usually try to recover any money that they have paid out through increased rates. This means that a claim that gives a driver a few hundred dollars could end up costing them much more in higher insurance costs over the next few years. 

Help from auto accident attorneys in Louisiana

Miller, Hampton, and Hilgendorf are experienced lawyers who handle all aspects of car accident lawsuits. Anyone who needs help with receiving compensation after their collision can contact the firm to learn more about insurance and related issues. 

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806

225-343-2205

www.mlhlaw.com