Can Insurance Deny Your Motorcycle Accident Claim for Lack of Evidence?

Dealing with any road accident, especially a motorcycle accident, can be overwhelming. While you have to deal with the obvious pain of your injuries and emotional trauma after the devastating incident, you would also have to file an insurance claim. If you do not have a clear understanding of the legal process, all of this can take a lot of time and add to the frustration. 

That being said, the insurance process can be challenging to navigate if you do not have the right evidence. Some key evidence includes police reports, photographs, medical records, and witness testimonies. However, collecting all of this information right after an accident can be difficult, especially for victims who are dealing with their own injuries and financial burdens. 

Determining liability heavily depends on evidence. Therefore, gathering solid evidence is the most important thing after an accident if you want to secure compensation. To ensure that your claim is not denied and you get the compensation you deserve, talk to Lawbike Motorcycle Injury Lawyers today. 

When do insurance companies deny claims?

Insurance companies can sometimes deny claims due to various reasons, ranging from policy exclusions to insufficient documentation. In this section, we’ll explore common scenarios where claims might be rejected, helping you understand how to navigate these challenges effectively.

Insufficient evidence.

The insurance companies can deny your claim if you do not have strong evidence to support your case. In legal cases, the insurer needs clear proof of fault. This can be in the form of witness statements, accident reports, photographs, or other documentation. If you do not have this evidence, the insurance companies will be unable to hold liability and deny the claim. 

Conflicting accounts.

Insurance companies might deny your claim if they see different stories about the accident. This means that if the parties involved in the accident provide contradictive statements, it will create uncertainty about what actually happened. 

Disputes between witnesses or regarding who was at fault will be a red flag for the insurer. They might not be able to establish liability, which can lead to a claim denial. 

Failure to prove damages.

If you can prove that your injuries resulted from the accident, the insurance companies will approve your claim. You will need repair estimates, medical records, and other documents to prove the extent of your injuries and the property damage. However, if you do not have adequate documents, the insurer may question the validity of the damages and deny your claim. 

Delayed reporting.

Insurance companies have strict deadlines for reporting the accident to get a claim approval. However, if you fail to report the accident, it can result in a denial. Timing is very important as delays in reporting the accident can result in the loss of crucial evidence. 

How to secure solid evidence to avoid denial?

If you want to make sure your claim is accepted, it is important to secure solid evidence. The more quickly you react and inform the police officers and your insurer about the accident, the better. This helps save crucial evidence and shows you are serious about your claim. 

Take out your mobile and record everything on the accident scene, including vehicle damages, injuries, witness statements, and so on. The more evidence you collect, the stronger your claim will become. 

Personal injury claims can be complicated, and dealing with it alone can be very difficult. Therefore, it is highly advised to get help from a professional lawyer. Try to hire a lawyer who has dealt with similar cases before. These professionals will ensure you follow all the procedures timely and do not miss any insurance deadlines. 

When you submit your claim, it is important to provide all the requested documents accurately and quickly. Be honest and avoid making inconsistent claims that could raise doubts about your credibility.

Fight for the compensation you deserve!

In legal settings, evidence is key. It is used to establish who pays who and how much. It can also determine whether other parties outside the accident could be potentially liable. Therefore, things can be tough if you do not have the right evidence. If you are confused, consult with an attorney today!