5 Reasons the Insurance Company May Deny Your Motorcycle Insurance Claim

Riding a motorcycle comes with unique risks, and unfortunately, insurance claims related to motorcycle accidents are not always straightforward. Despite faithfully paying premiums, many riders find themselves facing denial or underpayment when seeking compensation for injuries and damages. 

From technicalities in policy language to biased assessments of fault, insurers may refuse to honor a claim for several reasons. At The Law Firm of Chaile Allen, attorney Chaile Allen will aggressively fight for the resolution you deserve, including filing an appeal on your behalf. If a resolution cannot be reached in negotiations, Chaile is prepared to represent your interests in the courtroom. As a small, local firm, we provide personalized, dedicated attention to your unique case, allowing you to focus on recovery. 

5 Reasons the Insurance Company May Deny Your Motorcycle Insurance Claim

The insurance entity representing the at-fault motorist may offer various explanations to deny your claim following a motorcycle accident. The following are some common scenarios we frequently encounter while assisting our clients in motorcycle accident cases:

1. Bias

There’s often an underlying bias against motorcycle riders, with stereotypes portraying them as reckless and accident-prone. Though not explicitly stated, this bias could influence the denial of your claim, requiring you to persist in advocating for fair compensation.

2. Delayed Medical Care

Failure to promptly seek medical attention might lead the insurance adjuster to argue that your injuries resulted from another incident or are not severe since you didn’t see a doctor immediately after the crash. However, delayed medical care doesn’t negate the seriousness of your injuries, and we can gather evidence to challenge this argument.

3. Pre-Existing Conditions

If your medical records reveal a prior injury similar to your current one, the insurance company might attempt to evade responsibility. However, this isn’t a valid reason to deny your claim.

4. Disputes About Liability

The insurance company may allege that you were at fault for the accident. In such cases, additional evidence, such as witness statements and accident reconstruction reports, can help refute their claim, especially considering comparative negligence laws.

5. Lack of Coverage

Your claim might be denied due to reasons related to the negligent driver’s insurance policy, such as lapsed coverage, exclusions, or insufficient policy limits. While technically not a denial, it limits the compensation you can receive. In such instances, consulting an experienced motorcycle accident attorney is crucial to assess the veracity of the insurance adjuster’s claims and explore alternative avenues for compensation.

If your claim faces denial on any of these grounds, seeking the guidance of Chaile Allen is essential to navigate insurance policies and ensure you receive the compensation you rightfully deserve.

How an Abilene Motorcycle Accident Lawyer Can Help You Recover the Compensation You Deserve  

Receiving a denial for your motorcycle accident claim can be disheartening, especially when you’re already grappling with the aftermath of the accident. However, there’s no need to lose hope. 

The following is a detailed overview of how Chaile Allen can help you fight for the compensation you deserve: 

• Review the Denial Letter Thoroughly: Chaile Allen will examine the denial letter sent by the insurance company. The insurance company is obligated to provide a clear reason for the denial, so understanding its rationale is vital.
• Gather Evidence: If the denial was due to a lack of evidence, we will focus on gathering more. This might involve obtaining additional medical records, collecting more photographs of the accident scene, or securing witness statements to support your claim.
• File an Appeal: If the denial was unjust, you have the option to appeal with the insurance company. The Law Firm of Chaile Allen can assist you throughout the appeals process, ensuring all necessary documentation is properly submitted.
• Check for Errors in Documentation: If the denial resulted from errors in your initial documentation, we make corrections and resubmit the necessary paperwork with accurate details.
• Consider Mediation or Arbitration: If direct negotiations with the insurance company prove unfruitful, mediation or arbitration could serve as alternative dispute resolution methods. These approaches may facilitate a resolution outside of court.
• File a Lawsuit: If all other options fail and you believe you have a bad faith case, pursuing legal action through a lawsuit may be necessary. The Law Firm of Chaile Allen can assess the viability of this option and provide guidance throughout the legal proceedings.

With the right support and legal guidance from The Law Firm of Chaile Allen, you can explore multiple avenues to seek the compensation you deserve.

Speak With the Motorcycle Accident Lawyer at The Law Firm of Chaile Allen 

At The Law Firm of Chaile Allen, we know the frustration and confusion that come with navigating insurance denials after a motorcycle accident. As a local firm, your physical and financial wellbeing matters to us. We are here to guide you through the process, challenge unjust denials, and fight for the compensation you rightfully deserve.

With our experience and in-depth knowledge of handling complex motorcycle accident cases, we’ll work tirelessly to review your denial, gather evidence, and explore all available avenues to secure the best possible outcome for your case. Contact us today to schedule a free consultation at (325) 670-9282 or fill out a contact form.