Unfortunately, insurance company adjusters work very hard to save their employers money. This often means that they deny a claim they should have approved. Here are just a few possible reasons they might deny a claim:
They don’t believe their client was to blame and think it was your fault. This is a popular one because there are many ways it can work out well for the insurance carrier. Some claimants will just give up and pay their own medical bills. Others may call the company to argue about it. When this happens, the insurance carrier usually records the call, then misinterprets something the claimant said to mean they were at fault. We strongly advise against calling the insurance company yourself.
They may say that the accident was somehow not covered under the terms of their policy.
Your treatment isn’t covered for some reason or wasn’t approved.
You filled out the form wrong, or they claim some other technicality as an excuse not to pay.
No matter why your claim was denied, you can fight to have it reexamined, but don’t do this alone. Contact an experienced bicycle accident attorney who knows how to navigate the maze of red tape insurance companies like to construct for injured parties.