After a motorcycle accident, it is common for victims to struggle to obtain compensation for their injuries. Insurance companies exist to make a profit—not to provide help for those who’ve been hurt.
There are multiple reasons why an insurance company could deny your claim, but working with an experienced motorcycle accident attorney can help you get back on track and obtain the compensation you need to move forward with your life.
Why the Insurance Company May Deny Your Claim
Insurance companies have the simple goal of reducing the amount they pay out for any type of claim. They often take every step they can to find a way to reduce or even reject a claim to save money. They may do this for many reasons, including:
- Missing information. The insurance adjuster may claim there's missing information or a lack of proof of negligence in the case.
- Discriminatory beliefs. They may believe you were driving recklessly, which may be attributed to biker bias and the view that all motorcycle drivers operate unsafely.
- Your claims or statements. You may have made a statement to the insurance company that you were okay or that you were going back to work. They may turn your words against you later.
- Social media. Insurance companies may suggest you are exaggerating your injuries if they find social media posts of you engaged in physical activity.
- They want you to settle for less. Sometimes, they may deny a claim simply because they want to encourage you to settle for less than is owed to you.
Don't Negotiate With the Insurance Company
Don't make the mistake of negotiating with the insurance adjuster in your case. That is only going to reduce what is owed to you. Even if they present numerous factors or statements about why you should not receive the full compensation owed to you, don't agree to anything. Turn to a Nebraska motorcycle accident attorney for help instead.
Let Your Motorcycle Accident Attorney Help You
Your accident attorney will discuss your case openly with you. When the time comes to file a claim with the insurance company, they will handle the claims process, discuss any questions the insurance company has directly with them, and address any concerns if they arise. By simply having an attorney present, you are less likely to have a claim denied due to mistakes or miscommunications.
If you've already been denied a claim you've made, it's not too late. There's still help available to you from your attorney. Your attorney will discuss what's happened and then help you in any way possible. This may include:
- Finding evidence, such as witness statements or medical information that proves you are owed compensation.
- Refiling the claim with any missing information or improved clarity to minimize the risk of another denial of coverage.
- Taking your case to court if the insurance company refuses to work with you. This may mean it takes longer, but your attorney will go to bat for you to protect your rights.
You Are Protecting Your Right to Fair Compensation
It's important to know what's at risk when you talk to or work with insurance companies. Their sole goal is to reduce what is paid out in the claim. If they can find any information that may refute your evidence or the statements you've made to them, they are going to do so. This is likely to happen even if you believe you have a solid case.
As a direct result of this, it's always wise to work with an attorney in your case. It may help you to get the compensation owed to you after your loss. Let The Law Office of Matthew A. Lathrop, PC, LLO help you today. Our team works diligently to support your right to compensation. Schedule a free consultation today.