Priority Insurance LLC Blog
Riding a motorcycle is a thrilling, yet, risky experience. You are more prone to accidents, especially if you went out without proper safety. The good thing is, your insurance company got you covered once something inevitable happens. However, there are circumstances that your claim may get rejected. Here are the reasons why.
No Immediate Medical Assistance
One of the premier aspects you should look at when you have motorcycle insurance is the proximity of medical aid around the accident. Since the principal idea of having motorcycle insurance claims is for injuries, a severe one could immensely affect your claims process.
If you seem to feel fine after an accident, you should still prioritize getting examined for a check-up by a doctor as internal injuries could be present. Some policyholders often fail to report to a doctor right away. Thus, resulting in an unqualified claim under the insurance clause.
In some cases, filing a motorcycle accident claim can get rejected if the insurance provider evaluated that the accident you are figured in was avoidable. But don't worry yet, as those specific instances are only meted to apparent cases. It applies to cases such as driving under the influence of alcohol, driving without a license or insurance, or overspeeding.
Your claim request will be denied if it is proposed against the lapsed policy. The insurance company would cover expenses within a certain period you have contracted, so it is recommended to renew your policy before it expires.
Negligence of the Driver
The liability of the person influences the compensation for the motorcycle damages. The insurance company could reject a claim if the insured individual's negligence towards the circumstances heavily caused the accident. In some cases, within the settlement process, you could get compensation, but not as much.
Do note that your policyholder investigates the misfortunes. Filing for a claim is not an easy and automatic process, and once they discover lapses and dishonesty concerning the accident, it would be discarded. The guilty client would also face legal charges once proven with fraudulent intent.
Generally, insurance companies would either compensate you or cover the motorcycle damage once something unfortunate happens. However, there are times where your claims could get rejected, considering the factors that induced the accident. You are insured; however, one must be responsible for their actions to avoid repercussions.
At Priority Insurance LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (864) 297-9744. Get your free quote today by CLICKING HERE.