Here are some of the situations where your motorcycle accident claim may be denied:
Your Actions Contributed to the Accident
Under Arkansas’ modified comparative fault rule, the insurance company isn’t required to cover your damages if you were over 50% at fault for the accident.
The insurance company can proportionately reduce your damages if you contributed to the accident, but your actions weren’t the primary cause.
The Insurance Policy was Canceled or Lapsed
If your insurance policy was canceled or had lapsed at the time of the accident, the insurance company is not legally obligated to cover the costs of the accident.
Insurance policies can be canceled for various reasons, but non-payment is usually the biggest one.
The Rider Was Not Insured Under the Policy
If the rider involved in the accident was not on the motorcycle insurance policy, the claim for compensation may be denied.
The claim will also be denied if the at-fault rider is excluded from a policy due to their poor driving record.
The Insurance Company Doesn’t Believe You Were Really Hurt
Injuries are not always physically obvious, but that does not mean that they aren’t there.
Injuries such as muscle strain, concussions, etc. might not be physically visible, but can be very painful.
Compensation for such injuries is just as important as that for obvious injuries such as a broken bone.
The Insurance Company Doesn’t Think the Accident Caused Your Injuries
A pre-existing injury can be one of the factors that negatively affect a personal injury claim.
If the insurance company believes that it is possible to diminish the value of your claim by saying that a prior injury is to blame for most of your pain, they will do it.
Insurance companies can make any of these accusations to try to discredit your claim for compensation, which is why you need a competent Fayetteville motorcycle accident lawyer representing you.