Insurance companies often appear friendly when you’re signing up for coverage. But after an accident, the story can change—suddenly, delays, lowball offers, and blame-shifting come into play. Motorcycle riders are particularly vulnerable, and some insurers take advantage of that. Understanding the common strategies they use—and how to counter them—can make a huge difference.
1. Shifting the Blame to the Rider
Motorcyclists face stereotypes about speed, recklessness, or improper gear. Adjusters may use these biases to assign fault, even when the other party is clearly responsible. The more blame they attribute to you, the lower the payout.
How to fight back: Document the scene thoroughly and consider consulting a motorcycle accident attorney. Professional guidance can counter bias, collect credible evidence, and ensure fair treatment.
2. Delaying the Process
Insurers know that mounting medical bills, lost wages, and stress can pressure riders into quick decisions. They may stall the claim with requests for unnecessary paperwork or missed callbacks, hoping you accept a reduced settlement out of frustration.
Tip: Maintain detailed records of all communications. If progress stalls, follow up assertively and keep a paper trail of every interaction.
3. Presenting a Tempting Early Settlement
After an accident, you might be exhausted or overwhelmed when an insurer offers a fast, seemingly generous settlement. Most of the time, that offer is below the true value of your claim, accounting for ongoing medical costs, therapy, or lost income. Accepting too soon can close the case permanently.
Tip: Never rush into a settlement. Evaluate your long-term needs and consider legal advice before accepting an offer.
4. Using Gear Choices Against You
Insurance adjusters may argue that your gear either contributed to your injuries or overstates their severity. If you weren’t fully protected, they might blame your injuries on insufficient equipment. If you were fully geared, they may downplay your injuries. Either way, it’s a tactic to reduce compensation.
Tip: Your protective gear should never be used to shift responsibility for the accident. Document your equipment and its condition carefully.
5. Denying Claims Over Technicalities
Insurers often scrutinize policy fine print, missed deadlines, or incomplete paperwork to deny claims. With motorcycles, they may exploit even minor discrepancies to avoid paying.
Tip: Familiarize yourself with your policy and adhere strictly to reporting requirements. When in doubt, seek professional assistance rather than navigating complex claims alone.
Protecting Yourself as a Rider
Motorcycle riders already assume greater risk on the road. Understanding how insurance companies might try to limit your payout is essential. Stay informed, document everything, and seek expert guidance when necessary. Knowledge, preparation, and persistence are your best defenses against unfair tactics.