Motorcycle accidents are tragic, life-altering events that happen far too often. If you or a loved one were involved in a motorcycle accident, it is likely that you saw serious injury or even death. When you are dealing with what is likely the worst time of your life, the last thing that you want is to deal with an insurance company that only cares about its bottom line.
If you are dealing with denied motorcycle insurance claims, you need an experienced, compassionate, and highly skilled Atlanta motorcycle insurance claim attorney on your side to get you the justice that you deserve. Contact John Foy & Associates today for a free consultation and case review.
Why Your Claim Might Have Been Denied
When denying your claim, your insurance company has to provide you with a rationale for their decision to do so. These rationales typically fall into one of four categories.
The Accident Was Allegedly Your Fault
The main reason why an insurance company might deny your motorcycle insurance claim is because they deem that the accident was your fault. This is especially true when you seek coverage from your uninsured/underinsured motorist insurance provider or the at-fault party’s insurance coverage.
Essentially, the insurance company will do an investigation any time that you make a claim. Most of the time, this investigation does not go much deeper than looking at the report that the police officer that was first on the scene prepared. Unfortunately for you and all motorcyclists, police officers can sometimes have a bias that prevents them from fairly reporting your accident.
Your insurance company (or the other person’s insurance company) might also harbor this bias. When this happens, a skilled and professional Atlanta denied motorcycle insurance claim lawyer can help you by putting together the actual facts of the accident and showing that the insurance company was wrong.
You Have the Wrong Coverage
Other times, your insurance company will refuse to pay your claims because they will argue that you do not have the right insurance coverage. For example, if you only carry liability insurance and you are injured in a collision with a deer, your insurance company does not have to cover your accident.
However, sometimes insurance companies will try to find loopholes in your coverage to avoid covering your accident. We have all heard stories of ridiculous insurance reasons for claim denial, and if this happens to you, you need a denied motorcycle insurance claim lawyer in Atlanta on your side to fight back against the insurance company’s antics.
Insufficient Coverage
Other times, insurance companies might deny your claim because you do not have enough insurance to cover the full amount of your claim. While this is the least frequently abused reason, insurance companies do sometimes try to squirrel their way out of paying on some insurance policies by claiming that your coverage is insufficient because only some of your policy applies.
If your insurance company does this, this is still lawsuit-worthy behavior. You can and should sue your insurance company to pay you the full amount owed. A highly skilled Atlanta denied motorcycle insurance claims attorney can help you find out if you have a claim.
Policy Exclusions
Policy exclusions are exceptions to your insurance coverage. You can think about this as the “fine print” of your insurance coverage. Common types of insurance policy exclusions are that your insurance company will not pay if you were intoxicated at the time of the accident if you were in the process of committing a crime, or if you were running from the police.
However, not all policy exclusions are created equally. While the examples listed above might sound like your insurance only refuses to pay if you acted very badly, other policy exclusions are written intentionally vaguely so that your insurance company can hide behind them. A large number of lawsuits against insurance companies fall into this category.
Other times, your insurance company might have a clearly written policy exclusion, and your conduct might fit perfectly inside of it, but the exclusion is void as contrary to public policy. What this means is that the courts determine that the exclusion cannot stand because it is contrary to what is good and right. For example, the Georgia Supreme Court ruled in Cotton States Mutual Insurance Company v. Neese that an insurance policy exclusion that avoided coverage while an insured was running from the police was unenforceable.
Even if you think your insurance company has an iron-clad exclusion, it is still worth contacting a denied motorcycle insurance claims lawyer in Atlanta to see what your options are.
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What to Do After a Denied Motorcycle Insurance Claim
If your motorcycle insurance claim was denied, you should contact a motorcycle insurance claims attorney in Atlanta as soon as possible. Even if you think you have no chance, a skilled lawyer might be able to make a case and get you a settlement. At John Foy & Associates, your consultation appointment is absolutely free, so you can have a lawyer review your case at no cost to you.
There is no risk to simply seeing if you have a claim. Insurance law is highly complicated, so you might not see a possible claim. However, insurance law professionals who are experienced in the field might be able to make something out of nothing to force your insurance company to pay you the money that you are owed.
Contact a Denied Motorcycle Insurance Claim Attorney in Atlanta Today
When you are recovering from a motorcycle accident, the last thing that you want to do is spend hours on the phone with your insurance company just for them to tell you that you are on your own. That is where “The Strong Arm,” John Foy steps in. With nearly 30 years of experience taking on insurance companies, he will fight for you to make your insurance company pay what they are supposed to.
When you need a need motorcycle insurance claim attorney in Atlanta, contact John Foy & Associates for a free consultation and case review.
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