deadlines
- How Long Do You Have to File a Hurricane Damage Claim in Louisiana? In Louisiana, property owners generally have at least 180 days after a hurricane or declared state of emergency to file a damage claim with their insurer (La. R.S. 22:1264). The 180-day clock does not run while a state of emergency keeps you from your property, and extensions are possible for the hardest-hit areas. File as early as you can — waiting risks lost evidence and accidental non-compliance.
- How Long Do You Have to File a Hurricane Damage Claim in Texas? In Texas, your homeowner's policy usually sets its own deadline to report hurricane damage, so file as soon as possible. If an insurer denies a valid claim in bad faith, you generally have two years to sue under Chapter 541 of the Texas Insurance Code — running from the denial, or from when you discovered the unfair or deceptive act under the discovery rule.
insurance
- Does Renters Insurance Cover Personal Injury? Renters insurance is a requirement for an increasing number of rental policies and lease agreements; you might never think about it until you discover you need it. Yet, there is wide latitude in what these policies cover and do not cover. Some renters’ insurance policies are surprisingly comprehensive, covering as much as any homeowner’s policy. […]
- How UM and UIM Coverage Changes Settlement Strategy in Louisiana UM/UIM coverage turns part of a Louisiana crash claim into a first-party claim against your own insurer, governed by the revised La. R.S. 22:1892 good-faith duties and the UM statute, La. R.S. 22:1295. That changes settlement strategy in three ways - the order you pursue liability and UM layers, the Cutsinger full-limits credit that applies when you compromise with the tortfeasor, and the notice and consent steps required to protect the UM claim before you sign a release.
- Risk of Econ Only Uninsured Motorist Insurance Most people are familiar with uninsured motorist insurance coverage. This type of insurance protects you when a driver without insurance hits you. There are several types of uninsured motorist coverage, but all of them are added to your own vehicle insurance. Unfortunately, because so many drivers fail to carry insurance or only have the minimum […]
- Should I sign an assignment of benefits document? If you have health insurance, chances are you’ve signed an assignment of benefits (AOB) document, especially if you have used out-of-network providers. Using AOBs is the norm in the healthcare industry, and it’s becoming popular among home and auto repair contractors. An AOB offers lots of benefits, but some of its disadvantages should make you […]
- Trick Questions Insurance Adjusters Ask An insurance adjuster trick question is a routine-sounding question designed to get an answer that lowers what the insurer pays. The question feels casual. The purpose is not. A trained adjuster knows that a single offhand sentence can become the document that shrinks a claim or shifts blame onto the person filing it.
- What Is a Bad-Faith Insurance Claim? Every insurance policy carries an implied duty of good faith and fair dealing. When an insurer breaks that duty — denying, delaying, or low-balling a valid claim without a reasonable basis, or misrepresenting policy terms — it acts in bad faith. Louisiana (La. R.S. 22:1973) and Texas (Tex. Ins. Code ch. 541) have statutes that let a policyholder recover more than the original claim, including penalties and, in some cases, punitive damages.
- What Is Force Majeure in an Insurance Contract? You take out insurance coverage to protect yourself from foreseeable bad events. For example, when you buy car insurance, the insurance company understands that you may crash your vehicle in a car accident. Or, your car could be stolen. While you don’t wish for those events, both parties know they can happen. When any of the […]
- What Is Personal Injury Protection Insurance? Personal Injury Protection (PIP) is a no-fault auto coverage that pays your own medical bills, lost wages, and related costs after a crash regardless of who caused it. Unlike liability coverage, which pays the other party when you are at fault, PIP covers you and your passengers either way. It is required in some states and optional in others, including Texas and Louisiana.
insurance-claims
- Esurance Car Accident Claim Denial This page answers frequently asked questions about Esurance car accident claim denials. It explains that Esurance, an online-focused auto insurer founded in 1999 and acquired by Allstate in 2019, may deny or reduce claims to control costs. Common stated reasons include the accident or damages falling outside the policy, incorrect information on the application, or failure to report. Morris & Dewett notes it represents clients with claim denials in Louisiana and Texas.
- Farm Bureau Car Accident Claim Denial This page answers common questions about Farm Bureau car accident claim denials. It explains that insurers deny claims for similar reasons, typically a suspected violation of the policy agreement. Stated grounds include policy exclusions (such as driving under the influence, illegal activity, or unapproved commercial use), lapsed or inadequate coverage from missed premiums, insufficient supporting evidence like police reports or medical records, and disputes over liability or fault.
- Farmers Insurance Car Accident Claim Denial This page answers common questions about Farmers Insurance car accident claim denials and how to appeal. It advises first requesting written confirmation of the denial reasons, since that document is key evidence for any appeal or lawsuit, then gathering relevant evidence. It explains that claims are often denied over misinformation, contradictions, suspected fraud, or the accident not complying with the policy, and notes insurers weigh police reports, witness accounts, repair estimates, and reconstructions.
- GEICO Car Accident Claim Denial This page answers common questions about GEICO car accident claim denials. It outlines frequent reasons a claim may be denied: a claim amount exceeding your policy limit, lack of coverage for the specific loss or damage, policy exclusions, suspected pre-existing damage, and at-fault or partially-at-fault determinations. It suggests knowing exactly what your policy covers and keeping photos or video documenting your vehicle's condition to counter denials based on prior damage.
- Insurance Claims An insurance claim is a formal request to an insurance company asking it to pay for a loss the policy covers. A person reports what happened, the insurer reviews it against the contract that was purchased, and it pays, pays in part, or declines the request.
- Liberty Mutual Car Accident Claim Denial This page answers frequently asked questions about Liberty Mutual car accident claim denials. It explains that a claim denial occurs when the insurer refuses to pay for your damages, and whether an accident is covered depends on the policy, coverage limits, and other factors. The page is offered for educational purposes and notes that Morris & Dewett does not take property-damage-only cases or insurance bad-faith cases unless real injuries are involved.
- MetLife Insurance Car Accident Claim Denial This page answers frequently asked questions about MetLife auto accident claim denials, noting that MetLife's auto coverage was taken over by Farmers Insurance through a merger. It lists common reasons a claim may be denied: exceeding your policy limit, violating policy terms (such as DUIs or failing to report properly), contributory or comparative negligence rules that apportion fault by state, and inadequate investigation. It explains how at-fault determinations can affect recovery.
- Nationwide Insurance Car Accident Claim Denial Nationwide may deny a car accident claim for several reasons: the loss exceeds your policy limit, you violated policy terms (such as a DUI or failing to follow reporting procedures), or the company finds you at fault. This guide explains those common denial reasons and how fault rules, including contributory and comparative negligence, can affect whether and how much you recover.
- Progressive Car Accident Claim Denial Progressive may deny a car accident claim when it finds you fully or partially at fault, when policy exclusions apply, or when it suspects pre-existing damage. This guide reviews the common reasons Progressive denies claims and notes that if you believe a denial is wrong, you can file an appeal, including with the help of a law firm.
- Shelter Insurance Car Accident Claim Denial Shelter Insurance may deny a car accident claim if it finds you at fault, if the loss falls outside your policy limits or exclusions, or if you violated the agreement, such as driving under the influence. This guide explains common denial reasons, notes insurers must handle claims in good faith under state law, and outlines what you can do when a denial appears wrong.
- State Farm Car Accident Claim Denial State Farm may deny a car accident claim for several reasons: the loss exceeds your policy limit, you violated the insurance agreement by driving illegally, the company finds you liable for the accident, or its investigation reached incorrect conclusions. This guide explains these common denial reasons and notes you can pursue an appeal if your claim is denied.
- THE INSURANCE COMPANY TRAP EVERY DRIVER SHOULD KNOW After a car accident, insurers may pressure you into giving a recorded statement or accepting a low settlement. This guide outlines common tactics, explaining that you are not required to give a recorded statement without an attorney and that an insurer cannot withhold benefits you are entitled to, such as a rental car, simply because you declined to give one.
- US Auto Insurance Car Accident Claim Denial A claim denial after an auto accident does not necessarily mean you will not be paid, as insurers often deny claims while gathering evidence. This guide answers common questions, suggesting you contact the insurer to learn why the claim was denied, take notes, and consider hiring an attorney. It also reviews denial reasons, such as a vehicle not being covered at the time.
- USAA Insurance Car Accident Claim Denial USAA may deny a car accident claim for several reasons: the loss exceeds your policy limit, you violated the policy through actions like drunk driving or speeding, the company finds you at fault, or its investigation was inadequate. This guide explains these common denial reasons and notes that fault rules vary by state, which can affect how much you may recover.
liability
- Liability for Serious Injuries in No-Fault States? Filing a personal injury lawsuit for a serious injury may be possible in no-fault states. These are FAQs about the process and possible compensation.
- What To Do When an Insurance Company Ignores You Contacting and dealing with insurance companies is unavoidable in filing claims and seeking compensation after car accidents and other injury-causing events. In fact: Even if someone else was 100% at fault for your injuries, you can still face a lot of frustration, hassle, and runaround from an insurance company. Ignoring your calls and being unresponsive are common […]