Louisiana residents pay their auto premiums in the hopes that they never have the need to file a claim. However, when an auto accident does occur, they expect their medical expenses and property damages to be covered. Unfortunately, insurance companies notoriously undervalue claims or outright deny them since they are in the business of making money, and often do not have the best interests of their customers in mind.
Insurance companies will more than likely require proof of your medical expenses and lost wages. They then use formulas to calculate any pain and suffering. Even if you followed the rules by filing your claim within your insurance company's time limit, speaking with an adjuster and submitting to an independent medical examination, you could end up being denied or with a settlement offer that you believe is well below what you deserve. Fortunately, you can appeal the decision.
Insurance companies often have resources on their side. They may not be able to substantiate a low settlement offer or denial, and there may even be grounds for bad faith, but attempting to tackle them alone could prove to be more of a challenge that you realize. It might be to your advantage to contact a Louisiana attorney who deals with not only insurance companies, but who also handles personal injury claims.
Sometimes, it just takes a legal advocate to negotiate with insurance companies in order to obtain the restitution to which you are entitled. If you do not get anywhere with your appeal, you may need to take legal action. By involving an attorney early on in the process, you will not necessarily have to reinvent the wheel. From the start, an attorney can evaluate your claim, advise you of your rights and help you determine the next steps.
Source: FindLaw, "Insurance Claims After an Accident: The Basics", Accessed on July 15, 2017