There are a lot of defenses that are used by insurance companies, and any of those can be used in motorcycle cases. For example, returning to comparative liability or even complete liability, it was your fault, not our insured. Our insured is of course telling us the truth when he tells us his version of how it happened. You, of course, are not telling us the truth because you’re not our insured. That is oversimplifying it, but that has been how insurance companies appear to handle these cases. Defenses can include everything from failure to reduce damages to liability to even coverage issues themselves. Insurance companies can deny coverage or attempt to deny coverage based on some technicalities in the application process, and how the claim is handled.