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Your motorcycle represents a significant investment which is why having insurance is important in case of an accident. However, even those with excellent coverage may find that their motorcycle insurance claim will be denied under certain circumstances. It is important to understand that your motorcycle insurance coverage is predicated on statistical factors and specific policies that may result in a denial of your claim.

It is important to remember that the more information that you can provide, the better the chances of having your claim approved. For example, when an accident occurs, you should document the damage as quickly as practical so that there is a visual record of what happened to your motorcycle.

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When is a Motorcycle Insurance Claim Denied?

Before you file a motorcycle insurance claim, you should be aware of the factors that may cause it to be denied so that you can be prepared. Let’s find out some top reasons why the provider could deny your motorcycle insurance claim.

Your Fault: Arguably, the most common reason a motorbike insurance claim is denied is that the accident has been deemed your fault. Remember, anything that you say about the accident may add weight to whether you are at fault to a greater degree or not. So, make sure to only stick to the facts and do not suggest that you had a larger role in the accident than you did.

Wrong Coverage: Another common reason your bike insurance claim was denied is that your own policy does not cover what happened. For example, if you only have liability and hit an animal with your motorcycle, your policy does not allow you to make a claim.

Insufficient Coverage: Here, you may have the right type of coverage, but simply not enough to complete the repairs or pay the necessary expenses.

Listed Restrictions: Your policy may have specific restrictions in the fine print. You should go over the coverage with your insurance agent to understand if there is something specific that is not covered.

How to Overcome Denial of Coverage Claim?

If you find that the motorcycle insurance claim is denied, you still have options to try and overturn their decision. The first step should be to talk to your agent about the claims process and why your coverage was denied. If you feel that an error was made on their part, you can always file an appeal with the insurance company to have them look at the claim again.

If your claim is denied again and you believe that the insurance company is still in error, you may want to see a lawyer skilled in this type of case. Many lawyers will offer a free consultation so you can go over the claim and fill in the details of why it was denied. The lawyer will evaluate the case and advise you on what is needed to proceed.

Having your claim denied does not mean you have to end your efforts to receive what you believe is due. However, you should always remember to fully document the evidence and find out exactly why your claim was denied to proceed.

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Author

Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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