How Insurance Companies Devalue or Deny Valid Motorcycle Accidents Claims

Motorcycle Accidents | June 23, 2023

With more than 850,000 motorcycles registered in the state of California, this is certainly the most popular state for motorcyclists. Unfortunately, there were more than 11,000 motorcycle accident injuries during the most recent reporting year on file, according to the California Office of Traffic Safety.

After a motorcycle accident occurs, injury and property damage victims need assistance. Typically, crash victims are able to recover compensation through an insurance settlement if another driver was at fault for the incident. However, insurance carriers use various tactics to devalue or deny motorcycle accident claims.

How Insurance Companies Devalue or Deny Valid Motorcycle Accidents Claims

Tactics Used by the Insurance Carriers

Some of the methods that insurance carriers could use to devalue or deny a motorcycle accident claim in California include:

  • Questioning liability. Insurance carriers may argue that the motorcyclist was completely or partially responsible for the accident, disputing the claimant’s right to full compensation.
  • Using biased expert witnesses. Insurance carriers may employ experts who are inclined to provide opinions that favor the insurance company’s position, casting doubt on the claimant’s injuries and damages. The carrier could present conflicting expert opinions that can be used to weaken the credibility of the claimant’s case.
  • Policy exclusions and limitations. Insurance companies may cite policy exclusions or limitations to deny coverage for certain types of damages or specific circumstances surrounding the accident.
  • Delays and procedural hurdles. Insurance carriers may intentionally delay the claims process, requesting unnecessary documentation or conducting prolonged investigations, causing frustration and hindering progress. An insurance carrier may employ complex and confusing paperwork requirements, making it challenging for the claimant to navigate the process without legal assistance.
  • Minimizing damages. Insurance companies might attempt to downplay the severity of injuries sustained by the claimant, arguing that they are not as significant as claimed. They could dispute the necessity or extent of medical treatment, rehabilitation, or future medical needs.
  • Offering low settlements. Insurance companies may make early settlement offers that significantly undervalue the claim, hoping the claimant will accept a lesser amount rather than pursuing the claim further.
  • Surveillance on the plaintiff. Insurance carriers may conduct surveillance on the claimant, seeking evidence to challenge the legitimacy of their claim, such as physical activities inconsistent with their reported injuries.

How a Motorcycle Accident Attorney Can Help

Hiring an experienced Sacramento motorcycle accident attorney is crucial when seeking to prove a motorcycle accident claim. A motorcycle crash attorney can effectively combat the methods employed by insurance carriers, providing the following benefits:

Legal Expertise and Knowledge

Attorneys specialized in motorcycle accident claims possess in-depth knowledge of relevant laws, regulations, and case precedents. A lawyer will understand the complexities of motorcycle accident cases, including liability issues unique to motorcycles.

Thorough Investigation and Evidence Gathering

A lawyer possesses the essential resources and expertise to conduct a thorough investigation. They will gather crucial evidence, including accident reports, eyewitness statements, and expert opinions. By collaborating with accident reconstruction experts, lawyers can utilize scientific and mathematical analysis in conjunction with the gathered evidence to illustrate the accident’s cause.

Negotiating Fair Compensation

Personal injury attorneys are skilled negotiators who can counter insurance carriers’ attempts to undervalue or deny valid claims. They will assess the full extent of your damages (with help from medical and economic experts), including medical expenses, lost wages, future medical needs, pain and suffering, and more, to ensure you receive fair compensation.

Handling Complex Paperwork and Procedural Requirements

Motorcycle accidents can be incredibly distressing, and dealing with the aftermath involves navigating a maze of complicated legal and insurance procedures. It is understandable that individuals may feel overwhelmed and uncertain about how to handle everything on their own.

A compassionate attorney can help ease the burden. They understand the complexities of the paperwork involved and work diligently to ensure accuracy and compliance with legal deadlines. Their expertise minimizes the risk of claim denial due to technicalities, providing much-needed peace of mind during a challenging time.

Advocacy and Litigation

When the situation calls for it, attorneys are prepared to bring your case to court and passionately advocate on your behalf. They understand the intricacies of litigation strategies and can skillfully challenge biased expert opinions, ensuring a fair presentation of your case. An attorney possesses the ability to effectively counter insurance carriers’ tactics by presenting compelling evidence. Rest assured that they will tirelessly work to protect your rights and seek the best possible outcome for you.