Common Reasons Insurance Claims Are Denied After Motorcycle Accidents 

Getting into a motorcycle accident can already be a traumatic life experience, but dealing with insurance can be even more painful and cause you greater mental distress. Your insurance company may deny your claim for a variety of reasons. 

A lawyer specialized in motorcycle accidents can get you out of this ordeal and get you a fair settlement. 

Riding a motorcycle without a valid license

If you were driving your motorcycle without a proper license at the time of the accident, your insurance claim will be automatically rejected. Your insurance company will look into police reports, and if they find out about the absence of a valid license during the accident, your claim will be denied. So, make sure you always drive with a proper license. 

The insurance company claims you were at fault

Proving who was at fault in the accident is crucial to getting your full claim. If your insurance company claims you were at most negligent for the damages, they can deny your claim. Always have an attorney present who can fight these accusations for you and ensure you get your claim. 

Lack of proper evidence

Gather solid evidence like surveillance footage around the accident, testimonials from potential witnesses, medical reports, photos, and videos of the scene to prove you weren’t at fault. A skilled motorcycle accident lawyer will work along with you to organize all this evidence to ensure everything’s in your favor to access your full insurance claim. 

Dispute over the severity of injuries

Insurance companies only work to maximize their profit, and they aren’t concerned about your profit. These companies might claim that you sustained less severe injuries and purposely understate the full extent of your injuries and even dismiss factors like compensation for your mental distress caused by the accident. 

Having an accident lawyer by your side, they can counter these accusations against you. They will collect statements from doctors to emphasize the full impact of your physical and mental damages and ensure your right to the full insurance claim. 

Not getting your story straight

Inconsistent and contradictory details in your story can be used against you. Even if you didn’t intend to lie, it’s natural to forget about some minute details and change some details without even realizing. So always get your story straight, ruminate through every detail, paint a full picture of the accident in your head, and stick to that one story. 

A well-experienced and skilled accident lawyer would exactly know how to form your story based on what you remember and help you to be consistent with it throughout the whole journey. 

Limitations of your policy coverage

Your insurance policy might have exclusions for certain types of accidents and damages, and in that case, they can deny your claim. Always read the full terms and conditions to know if your claim was legitimately denied. Seek legal advice and appeal against your insurer if you believe they were wrong to deny your claim. 

Key takeaways: 

• Always ride your motorcycle with a valid license, so if you encounter an accident, you won’t get your claim denied. 
• Gather proper evidence like surveillance footage, medical records, and witness statements to prove you weren’t at fault. 
• Hire an attorney who specializes in motorcycle accident law. 
• With the help of an attorney, get your story straight and learn about the limitations of your policy coverage.