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William Eadie | Feb 16, 2015

Why is the Insurance Company Denying My Claim?

Sometimes one of the most frustrating times after you’ve been in an accident is talking with the insurance company. Unfortunately, the nature of the insurance company is to find a reason to deny your claim.

For victims who’ve been in a bicycle accident, most insurance companies will tend to deny your claim based on 3 common reasons.

The blame will lie on you – according to the insurance company – if you’re riding your bicycle without headlights and reflectors. These safety devices are designed to help keep you and drivers around you aware that you are riding on the road. But if you were not wearing them, the insurance company is very likely to deny your claim stating it’s your fault. It would be our job to prove that these types of safety related equipment did not have any effect on how the accident was caused and any injury you suffered.

Another reason to deny your claim would be if you didn’t wear a helmet. You should always wear a helmet and keep yourself protected at all times. But the reality is a helmet doesn’t save you from every injury possible. So if you’re injury would have still happened even while wearing a helmet, then you may still have a case against the driver.

We all know that riding a bike at night brings more possibility of danger and puts you at a greater risk due to low visibility – from you, as well as a driver. This can be another reason why the insurance company may deny your claim. We work with various experts that “rebuild” your accident scene in order to show how the accident happened and who was at fault. And most importantly, an accident reconstructionist can show how you not wearing a helmet, safety gear and riding at night may have not contributed at all to the accident. If we can prove the probability of an accident still taking place then we can bring a claim against the insurance company and recover for your losses.