The number of scooters on the road is increasing day by day. This is a sign of economic progress but also a threat to people. Yes, electric scooters are eco-friendly and convenient for riders, but that is not diminishing the signs of threat on the road.
Two-wheelers are easy to control for everyone, but when it comes to controlling them in difficult situations, the whole scenario gets changed. In fact, controlling the scooter in accident-prohibited zones is sometimes uncontrollable.
So, whenever you need a better resolution on the road and to be safe from all accidents, four-wheelers can be a better option.
Well, then, what is the aftermath of every scooter accident?
Life might change for a rider with permanent disabilities, including severe financial damages and the loss of the scooter. However, this is not the end, but there is a chance to claim for your losses, at least financially.
However, considering the insurance and covering your losses are not always as easy as you think. This is where you will need to consider the facts and facets related to insurance denial and the things that you can do to assemble your claim wisely.
Reason To Consider Two-Wheeler Insurance
Considering two wheeler insurance is a viable option to ensure the fact that your scooter and you are protected financially.
Yes, we cannot get back what we sometimes lose with accidents, but that does not mean we do not try to receive the wealth lost in the accident. This is where the whole thing gets tricky for us to make decisions.
Well, considering the insurance for your two-wheeler is always a better option to cover all the damages you have experienced so far with the vehicle, including your own health.
- Vandalism or Theft of your scooter.
- Damage to your scooter (parked).
- Damaged property or asset that you were carrying.
- Reimbursement for related injuries.
- Treating your medical expenses.
Reasons Why Your Two-Wheeler Insurance Claims Can Be Rejected
There are various reasons for insurance rejection you can face after an accident with the scooter. However, if you do not know about the particular reasons, the whole thing is going to get difficult for you and your family members to serve your purpose after a severe accident.
When you are dealing with an insurance issue, especially with two-wheelers, you better need to be prepared for expired insurance issues. However, there are also other reasons available to be an obstacle to your claim.
Driving While Intoxicated
Driving under the influence is an offense by the law. When you are on the road and with a vehicle, then you are also liable for the condition of others on the road, especially in accidents. So, if you are driving under the influence, you will need to better not claim the insurance coverage because you are not going to get anything.
Insurance coverages are for the people who ride on the road in the proper sense, and if the police or the insurance provider finds that you were intoxicated somehow, there is no question for claims because you were irresponsible while driving.
Your Driving License Got Expired
Considering an expired driving license is a common issue while claiming for it. People get a license when they buy a scooter, but the accident might happen after five years when the insurance duration has passed.
On the other hand, you might not have inputted the premiums of insurance on time, and that can be a cause of insurance expiration.
For this reason, even if you claim the coverage, you will not get it anyway.
Late Intimation
Sometimes people try to consider insurance long after they have experienced a two-wheeler accident. When a provider provides the coverage, they consider the time and incident properly and then proceed with your claims.
If they see that you are too late to claim, the whole claim will get rejected directly.
Triple Riding
Considering more than two people in total on a scooter is not lawfully correct on main roads. But most of the time, people consider more than two people on their scooter, and that is how overloading becomes a reason for uncontrollable riding.
This is a risky process that might lead to injury to others as well, and the law does not consider this as a good sign of an act.
In such a situation, the insurance provider will not allow you to claim your compensation.
The Insurance Balance Is Insufficient
This is annoying, but sometimes people might face this reason. Well, under one insurance policy, some people may face more than one accident. For instance, if you have experienced two accidents with your scooter and you have already claimed for your loss previously, then you might face a low balance issue with your insurance provider.
What Can You Do If Your Insurance Gets Denied?
Let’s say your insurance got denied when you claimed for it. In such situations, it’s hard to handle the nerves properly and take appropriate steps. However, taking appropriate steps is crucial to deal with such a situation.
When it’s law, it’s harder than you think. Claiming your two-wheeler insurance is always a better option, but when it gets denied, people often feel the tension and do not try to recover their claims.
Well, it might not always be because of you the insurance claim got denied, but there are several other options left for rejection.
Well, whatever the reason is, you will have to be firm with your steps and processes. When you know that your claims are valuable, then you also need some efficient approaches to streamline the claiming process.
Consider these steps to get your insurance claim on track.
- Request for reconsideration.
- File a lawsuit against the responsible party.
- File a bad faith insurance denial lawsuit against the insurance company.
This is where Sacramento scooter claim denial may work for you like a pro. Follow these steps and also allow an experienced scooter accident lawyer to handle your critical case. They will try to bring back the brightness of your rejected claim and also help you get compensation.
Photo by Dmitriy Ganin.
