Is your insurance company Esurance Auto Insurance? If your insurer is Esurance, you may have an auto insurance policy that doesn’t include uninsured motorist coverage, you may be in a no fault state or otherwise have obstacles that make it difficult for insurers to pay your personal injury protection claim.
Car insurance is designed to protect you. If you are struggling to have a claim paid by your car insurance company, and that is Esurance, this article is for you.
How To File A Bodily Injury Claim With Esurance
If you’re in a car accident, there are several things you need to do to make sure that your claim with Esurance is properly filed.
After the accident, the first step is to move yourself and your vehicle (if possible) to safety and call the police. While waiting for the policy to arrive, be sure to exchange insurance policy information and other important information.
Next, take as many photographs of the accident scene as possible. The range of photographs should include everything from applicable street lights and street signs, to skid marks on the road, as well as any property damage and vehicle damage.
The photos should be shared and uploaded with your insurance company to ensure your record is complete with all the necessary documentation to assist you with filing your insurance claim.
If there is only minor damage to your motor vehicle, you can submit the photos to Esurance via photo claim for a relatively quick payout process. However, with more serious auto accidents, the claims process does not happen as quickly as the insurance company may need to conduct an investigation. This is especially the case when third party insurance claims are involved.
Even if you do not think you are injured, it is important to see a doctor and get examined.
After an accident, there may be heightened adrenaline which could make it difficult to notice signs of bodily injury. Although you may think you are fine, it is always beneficial to get fully examined. The importance of an exam with a medical doctor is two-fold, for your physical well-being as well as establishing a medical record just in case there is a bodily injury.
If you are in an accident and initially refuse treatment, but symptoms of bodily injury occur days or even weeks later, it will be quite difficult to prove that the car accident was the source of your bodily injury as opposed to any activity that you may or may not have participated in either prior to or soon after the accident.
Most insurance companies, such as Allstate, Geico, State Farm, Esurance, and Progressive offer auto insurance that include bodily injury policies.
When submitting a claim under the bodily injury policy you may find that the amount of medical expenses you have exceeded the policy limit. Other times, it is the case that despite having a serious bodily injury and a record of the medical expenses you will incur in order to treat the injury, your auto insurer will provide a settlement claim that is far below what is necessary. Low ball settlement offers are common and formulaic in their calculations due to software programs that are designed to offer the least amount of payment possible.
If your vehicle is damaged, you can take your car to a repair shop. While it is possible that your insurance company has a service list of in-network repair shops from which you can take your vehicle, you are not obligated to take your vehicle there and can independently select your mechanic. If you take your car to an in-network repair shop, it is likely that your insurer will send a check directly to the repair shop to cover the cost of repairs.
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What To Do If Your Esurance Claim Is Denied After A Car Accident
If your insurance company denies your claim after a car accident, carefully read the letter outlining why the claim is denied. If a letter was not received, reach out to Esurance and request a copy of the denial letter.
The next step is to reach out to an attorney. The attorney will be able to assist you with reaching out to your auto insurance company and obtaining relevant documents such as your auto insurance policy, photos of property damage and copies of medical bills.
Why Was My Esurance Claim Denied?
There are several reasons why Esurance would deny your claim after an auto accident.
There are many different types of automobile insurance coverage available and often, most policyholders do not realize they do not have full coverage until a claim is submitted and they are subsequently denied due to lack of coverage.
For example, underinsured motorist protection would cover a policy holders expenses if they were in an accident with a person that did not carry the minimum amount of insurance required by the state. Because this type of coverage is optional, if you were to submit a claim to cover these expenses yet you opted out of coverage, there is a strong chance your claim will get denied.
Another example is uninsured motorist protection which provides coverage in the event you are in an accident and the motorist does not have auto insurance.
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Contact Florin|Roebig About Your Esurance Auto Insurance Accident Claim
Florin Roebig is your partner for Esurance claims. If you have Esurance as your car insurance provider, and are struggling to have your claim paid after personal injury, medical treatment and medical bills, we are here for you.
Call Florin Roebig and speak to a live representative who will assign your case to an attorney for free consultation. We understand attorney-client privilege, and even if you don’t choose us to process your claim, we will make sure your information is confidential and safe. Don’t wait, call today at (800) 226-6581.
