While vehicle accidents happen every day, some are more dangerous than others. Specifically, motorcycle accidents are much more dangerous than vehicles because of the lack of protection, occasional carelessness of the drivers, and being so small that it is easy to be in a car’s blind spot. There are certain reasons why an insurance company will not compensate you for your claim, and at times, even drop you from their services.
Too Many Accidents
Your prior accident report could cause your insurance policy to be much more expensive than it once was. Being in even one car accident can cause your policy to increase, so if you have a repeated record, then it will only be detrimental to you. You can learn more about the specific terms between you and your insurance company by reviewing the terms and agreements that you likely have signed off to.
Fake Claims
If your accident claim seems too outlandish or doesn’t add up, an insurance company will most likely not only refuse to compensate you but may also drop you from their policy. Fake accident claims are not taken lightly, and an insurance company will not want to insure someone who will try to scam them. Risking filing a fake claim will also result in heightened costs from other insurance companies because they will be able to see your accident report history.
In the past, there have been reports of people claiming someone damaging their car from a hit and run, only to post on social media that they were the cause of the damage. Insurance companies will look up your background (including your social media), and if they see that you are trying to file a false claim, this can cost you even more money than it originally would have in the first place to repair your vehicle. While you should never try to file a false claim, be sure to stay off social media to avoid your claim being misconstrued.
Statute Of Limitations
Each state has their own statute of limitations when a claim, such as car accident damage, can be filed. If you file your claim past the allotted time, then not only will your claim be barred, but an insurance company will not be able to do anything for you. The O’Brien Firm will be able to tell you how long you have to file a claim and whether it will be a valid one in your state.
Dangerous Vehicles
Dangerous vehicles are likely to have a more expensive insurance premium. This is because these vehicles are more likely to be involved in a car accident or are more prone to serious or deadly injuries. Specifically, motorcycles could have a higher insurance cost, especially for younger drivers. Due to the risk of driving such a dangerous vehicle, motorcycle injury attorneys advise to contact them before speaking to insurance companies following a motorcycle accident.
While insurance is something that you certainly will want to have, you always need to keep in mind that you can’t abuse the shield. Acting recklessly, falsifying claims, or waiting too long will lead to an insurance company not being able to compensate or help you.