State Farm Insurance Denied My Medical Expenses – Insurance Bad Faith Attorney

State Farm, founded in 1922, is one of the leading insurance companies in the U.S. Like all other insurance companies, though, State Farm loses money every time that they pay out on an accident claim; therefore, they sometimes try to avoid paying out claim. If you were injured in a car accident and either you or the driver at-fault has coverage with State Farm, then you might have to file a claim with the insurance company. Filing insurance claims after car accidents is not supposed to be a complicated process; however, the actions – and inaction – of insurance companies can create issues that can ultimately lead to claimants not getting the payout that they deserve.

My car insurance denied my medical expenses. State Farm denied my car accident insurance claim. If you identify with these statements, it is important that you find legal help as soon as possible. State Farm might have wrongfully denied you coverage, including coverage for your medical expenses stemming from the car accident. You might have grounds to file a lawsuit against State Farm for the unfair denial of your medical expenses. For more information about your right to file a lawsuit after State Farm denied coverage for the injuries that you sustained in a car accident, do not hesitate to seek legal assistance with the experts at our law firm immediately.

Our experts here at Normandie Law Firm are ready to help you with your claim against State Farm. We have decades of experience handling all sorts of claims – always remaining completely dedicated to fighting for the rights of our clients and getting them the best recovery possible. We are not afraid to take on insurance companies like State Farm who try to take advantage of injured claimants to avoid pay outs. We can help you sue and win.

If you are ready to discuss your claim with the experts at our law firm, contact us today.

Common Injuries after Car Accidents

Most of us have been involved in car accidents at one point or another. Although many car accidents are minor and result in little to no injuries, some car accidents can lead to significant injuries. Although every car accident is different, some of the injuries that victims of car accidents can suffer include the following:

• Head injuries, including concussions and traumatic brain injuries
• Neck injuries
• Back injuries
• Spinal cord injuries
• Shoulder injuries, knee injuries, hip injuries
• Fractures
• Ocular injuries
• Nerve injuries
• Torn ligaments
• Crushing injuries
• Lacerations
• Sprains and strains
• Scrapes and bruises

Without a doubt, some of these injuries could require little to no treatment. However, as the severity of the injuries sustained increases, the extent of medical care needed also increases significantly.

Some examples of the medical care that could be required after car accident injuries include the following: MRI’s, X-Rays, imaging, physical therapy, chiropractic care, orthopedic care, pain management, injections (including epidural injections), surgery, etc. Injured victims might need to visit specialists, including neurologists, TBI doctors, ENT doctors, etc. to get the care that they need for their injuries. Without a doubt, getting this care can be very expensive.

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Some Common Questions

Unfortunately, car accident insurance claims are often denied. If your claim was denied by State Farm, you might have some of the following questions:

• Why is State Farm denying coverage for my medical expenses?
• What can I do if the car insurance denied my medical expenses for the injuries that I sustained in a car accident?
• What are my rights if coverage for my medical expenses was denied?
• Can I sue if State Farm denied me a payout for my medical expenses? Do I have a case against State Farm if my claim was denied?

The answers to these questions are discussed below.

Why is State Farm denying coverage for my medical expenses? There are many reasons that your insurance claim could be denied after an accident. The legitimate reasons why State Farm or any other insurance company could deny your claim include the following: a lack of coverage, errors in your insurance application that can affect your policy, errors in your insurance claim (like not filing your claim quickly enough, not reporting the accident, etc.), and suspicions of insurance fraud. Most often then not, though, your insurance company will deny your claim out of bad faith – simply because they do not way to pay. In cases of bad faith, insurance companies often give false reasons for the denial of the claim and do other things to complicate the claim and avoid paying out.

What can I do if the car insurance denied my medical expenses for the injuries that I sustained in a car accident? If State Farm denied your medical expenses for your car accident injuries, you could file an appeal. Of course, if your claim was denied for a valid reason, your claim will still be denied even after an appeal. However, if something in your claim was overlooked leading to the denial, an appeal could result in a positive outcome. In cases of bad faith, claimants actually have the option of filing a bad faith lawsuit against the insurance company.

What are my rights if coverage for my medical expenses was denied? If coverage for medical expenses after your car accident was denied, you can either file an appeal or file a bad faith lawsuit. Your rights will actually depend on the specific reason behind the denial.

Can I sue if State Farm denied me a payout for my medical expenses? Do I have a case against State Farm if my claim was denied? Yes – you could have a case and sue State Farm directly if you were denied your insurance payout for your medical expenses. If your medical expenses were denied out of bad faith, you could file a bad faith lawsuit against State Farm.

What is Insurance Bad Faith?

All insurance companies have a duty to review insurance claims fairly to provide their claimants with a fair payout for their claims. Every state has different laws regarding the duties of insurance companies; based on California law, specifically, states that insurers must conduct and pursue “thorough, fair, and objective” investigations into their insurance claims. Even though insurance companies have this duty of care, they will often do whatever possible to avoid paying claims. This is because every claim payout is a loss for the insurance company; they do not want to pay claims.

To avoid paying out claims, insurance companies exercise bad faith. Of course, insurance bad faith is illegal, so insurance companies hide their intentions behind things that might be considered normal to the insurance claim process. Some examples are listed below:

• Delaying the initial investigation into the claim
• Not responding to calls or emails
• Not communicating with the claimant (keeping the claimant in the dark)
• Providing misleading information
• Intentionally complicating or prolonging the claim process

These are all essentially tricks to prolong the claim process so that deadlines pass, and the claim cannot be pursued any more or so that the claimant can become frustrated and stop pursuing the claim.

As mentioned above, insurance companies have the duty to act in good faith when handling insurance claims; therefore, they must avoid the following:

• Delaying the claim investigation
• Denying paying a claim where the validity of the claim is clear
• Denying claims with little to no explanation
• Failing to approve/deny claims within the appropriate timelines

If insurance companies do any of this, they could be acting in bad faith, and they could be sued.

Unfortunately, insurance companies are more likely to act in bad faith towards unrepresented claimants. In many cases, having a lawyer is enough to ensure that the insurance company takes your claim seriously and gives you a fair payout for your medical expenses. However, insurance companies can act in bad faith even when a lawyer is involved in the claim from the start.

Contact Normandie Law Firm Today

Did State Farm deny your medical expenses? If the insurance company refuses payment for medical expenses, has not paid for medical expenses, or has not approved payment for medical expenses, the insurance company could be acting in bad faith, meaning that you could file a bad faith lawsuit. Whether State Farm is refusing to pay after a certain time period or is subjecting your medical expenses to a certain monetary limit that is just unfair, you could sue for bad faith. If you are interested in learning more about the legal options available to you after State Farm wrongfully denied payment for your medical expenses after a car accident, contact Normandie Law Firm today. Our insurance bad faith attorneys are ready to help you file your State Farm bad faith lawsuit – to ensure that you get the payment that you are owed.

Here at our firm, we offer free legal services, which include free initial consultations and free second opinions. Whether you are starting or continuing your bad faith claim against State Farm Insurance, you can trust that our experts can provide you with the information that you need to take action and win.

We offer a Zero-Fee guarantee, so you will not have to pay upfront legal costs. In addition, we are proud to work on a contingency structure; therefore, you will not pay anything until after winning your insurance bad faith claim. If you do not win, you will not be responsible for paying legal costs guaranteed.

¡Hablamos español!

Si esta en busca de un abogado de habla hispana, ya no busque más. Aquí en Normandie Law Firm, estamos orgullosos de poder brindar nuestros servicios legales a la comunidad hispana. Nuestros abogados tienen décadas de experiencia y están listos para ayudarle con su caso en contra de State Farm por la falta de pago por sus costos médicos después de su accidente de auto. ¡Llámenos ya!

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