Often, motorcyclists are burdened with a stigma of irresponsibility. Even after they have suffered injuries in an accident caused by another careless driver, they may have to defend their actions to insurance companies and in court. It’s not unusual for an insurance company to deny a claim related to a motorcycle accident in hopes this stigma will be enough to reduce or eliminate their responsibility to provide compensation. However, motorcyclists have rights that can be protected, even when the insurance company tries to initially deny a legitimate claim.
Why an Insurance Company Denies Motorcycle Claims
Insurance companies are out to save money, and they will try to deny accident claims in order to do so. When it comes to motorcycle accidents, insurance companies may attempt to:
- Place blame for the crash on the motorcyclist
- Point to pre-existing conditions or old medical issues as the real reason for the injury
- Claim an injury simply doesn’t exist
- Claim the policy does not cover the accident situation
Injured Motorcyclists Have Rights to Compensation
While the insurance company may want injury victims to believe that an initial denial is the end of the road, it can still be possible to appeal the decision and obtain the care and compensation you need. An experienced motorcycle accident attorney can work with victims to help them identify the cause of the denial and provide information to prove the legitimacy of the claim. This can include:
- Obtaining police reports
- Obtaining medical records
- Providing expert testimony
- Locating and filling out the correct paperwork
- Negotiating with the insurance adjuster
In some cases, an insurance company simply sticks with its denial despite a clear and legitimate claim. This is called acting in bad faith, and it is against the law. For these situations, it can be necessary to file a legal claim against the insurance company to force it to uphold its end of the policy agreement. An experienced attorney can help motorcycle accident victims navigate this process and ensure that their claim is as strong as possible.
Have You Been Injured In A South Carolina Motorcycle Accident?
If you've been injured in motorcycle accident you need to speak with an experienced motorcycle accident attorney as soon as possible. Please contact us online or call our Conway, South Carolina office directly at 843.484.0707 to schedule your free consultation. We are also able to meet clients at our Myrtle Beach, Murrells Inlet, Mt. Pleasant, North Myrtle Beach or North Charleston office locations.