It just takes a matter of seconds, as this rider discovered, to make a mistake and find yourself and your bike tangled up by the side of the road.
How to file a motorcycle insurance claim…
You can always call to report a claim. In many cases, you can even log into your policy to report a motorcycle claim online. A claims representative will contact you as soon as possible to answer any questions you have and to schedule an inspection of the damaged bike.
When you file a motorcycle insurance claim with your insurance provider, it’s important to have as much information at hand as possible. That includes the names, addresses, phone numbers, and license numbers of all drivers and witnesses involved in the crash or at the scene.
It’s also important to get the insurance information of any drivers involved in the accident, including policy numbers. Take pictures, too. Use a camera or smartphone to take photos of the scene and the damage to the involved vehicles.
1. Don’t assume that “no” always means “no.”
About 10 percent of all insurance claims are unjustly denied but less than 1 percent of people making insurance claims even question their insurer when their claim is denied. The majority of policyholders who do contest their cases either win their cases or improve their settlements.
2. Insist on a written response.
Most state laws require insurance companies to provide written explanations of claim denials. Failure to comply may constitute an illegal practice by the insurer.
3. Read your policy carefully.
The insurance company may have interpreted a clause in your policy differently from the way you understand it. Respect your sense of fairness and what you expect the policy to cover. If the ruling doesn’t sound fair, there’s a good chance that it isn’t.
4. Do not accept filing errors as the end of the story.
Always follow your insurer’s instruction for filing a claim. But if you fail to fill out a form correctly, or if you miss a deadline for submitting a claim – even if you are months late – an insurance company cannot refuse to pay an otherwise valid claim unless the company can show it has been harmed by your error or prevented from making an adequate investigation due to your delay.
5. Do your own research to support the claim.
If your insurance pays less than you expected for care provided, check what other doctors in your area charge for the same care. If other doctors charge more than you received, challenge the payment.
6. Ask your insurance agent
The agent from whom you purchased your insurance has a duty to make sure the coverage protects your interests.
7. Contact the insurance company.
If your insurance agent or claims administrator doesn’t resolve the problem within 30 days, call the insurance company yourself. Be polite but persistent, and keep going up the corporate ladder. Be sure to make a record of all phone calls, including the names and positions of everyone you speak to. Save phone bills that list the calls. Follow up each call with a brief letter stating your understanding of the conservations, and requesting a response within 30 days.
8. Complain in writing.
Begin with the person who denied your claim, then write to the person’s supervisor. Include your policy number, copies of all relevant forms, bills, and supporting documents and a clear, concise description of the problem. Request that the insurer responds in writing within three weeks. Keep copies of all correspondence. Send letters by registered mail. Explain what negative effects the denial of your claim is having. Use a courteous, unemotional tone and avoid rude or blaming statements.
9. Write a letter.
If you receive no response, send follow-up letters, with your original letter attached to the insurance company’s consumer complaints or customer service department and to the company president. In most states, failure to respond promptly to letters regarding claims is an unfair insurance practice.
10. Enlist help.
…From your state’s Department of Insurance. Some states with strong departments (California, New York, Illinois) will mediate your dispute for you.
11. Look for violations.
If your claim is denied because of a reduction in coverage, determine if you were ever notified about that reduction in coverage. If you were not, then you have a good chance of winning your claim since failure to notify the patient of a reduction in coverage is a violation of the law.