A denied claim can throw riders off balance. You’ve gone through the stress of an accident or damage, only to get a letter saying the insurer won’t pay. It feels final, but in many cases there are still options. The key is slowing down, figuring out why it happened, and deciding how to respond. At Associated Insurance Agencies Inc. serving Westerville, OH, we want our clients to be fully informed about the claims process.

Start With the Denial Letter

The insurer has to explain its decision, so the letter is the first place to look. Sometimes the reason is surprisingly simple, like a form wasn’t filled out completely, or the claim came in after the filing window closed. Other times, it’s tied to exclusions in the policy or a disagreement over who caused the crash. Knowing the specific reason sets the stage for what comes next.

Gather More Proof

When the denial is tied to missing or unclear evidence, additional documentation can help. Photos of the motorcycle, police reports, shop repair estimates, or even witness statements may clear up confusion. Sending in stronger proof gives the company a better basis to reconsider.

Appeal the Decision

Most carriers have an appeal process. Riders usually need to send in their supporting documents, write a short explanation, and follow the company’s instructions closely. Deadlines matter here: miss one and the door may close before the appeal even starts.

Next Moves If the Appeal Fails

If the insurer won’t budge, other paths remain. A state insurance department can review the situation, and legal guidance is another route if the stakes are high. Even if the denial stands, taking these steps ensures you’ve done everything possible to protect yourself financially.

Have more questions? Contact us at Associated Insurance Agencies Inc. serving Westerville, OH, for personalized help.