Denied! The Most Common Reasons Motorcycle Insurance Claims Get Rejected

​There’s nothing worse than being involved in a motorcycle accident or experiencing theft or damage—only to find out your insurance claim has been denied. Motorcycle insurance is designed to protect you financially when the unexpected happens, but like any insurance policy, coverage comes with conditions. Understanding the most common reasons claims are denied can help you avoid costly surprises and keep your ride protected.

1. Policy Lapses or Expired Coverage
One of the simplest but most preventable reasons for claim denial is non-payment or a lapse in coverage. If your policy has expired—even by a day—your insurer has no obligation to cover any damage or liability. It’s critical to keep up with payments and review your renewal dates regularly.

Avoid it: Set up automatic payments or calendar reminders, and ensure your contact information is current with your insurer.


​2. Excluded Uses or Riders
Many motorcycle policies come with exclusions for how or where the bike is used. For example:

• Using the motorcycle for commercial purposes (e.g., delivery or courier services)
• Participating in racing, stunt riding, or track days
• Letting an unlisted or unlicensed rider operate the bike

If your claim arises from any excluded activity, it’s likely to be denied.

Avoid it: Read your policy thoroughly and clarify what uses are covered. Add occasional riders or usage endorsements if needed.

​
3. Incomplete or Inaccurate Claim Information
Filing a claim with missing documentation, inaccurate details, or delays in reporting can lead to suspicion or automatic rejection. Insurers rely on timely and truthful information to process claims fairly.

Avoid it: Report incidents as soon as possible, include police reports (if applicable), provide photos, and be honest and consistent in your account of events.


4. Modifications Not Disclosed
Customizations like upgraded exhaust systems, performance enhancements, or cosmetic changes can affect your policy coverage. If your insurer wasn’t informed of these modifications, they may deny claims related to those parts or even cancel your policy.

Avoid it: Always report modifications to your insurance provider so they can adjust your policy (and premium) accordingly.


5. Lack of Coverage for the Type of Claim
It’s important to know that not all policies cover all types of damage. For example:

• Comprehensive coverage is needed for theft, fire, or vandalism.
• Collision coverage applies when you hit another object or vehicle.
• Liability-only policies won’t cover your own bike’s repairs.

If the type of loss isn’t covered under your policy, your claim will be denied.

Avoid it: Review your policy to ensure it includes the coverage types you need. Talk to your agent about the risks you're most concerned about.


Why Having the Right Motorcycle Insurance Matters
Even experienced riders can be caught off guard by the fine print in their policies. That’s why it’s not enough just to have insurance—you need the right insurance, tailored to your riding habits, location, and risk profile. Comprehensive motorcycle insurance protects you from financial hardship due to theft, collisions, injuries, and weather-related events. More importantly, it gives you peace of mind, knowing that your investment and well-being are covered.


Final Thoughts: Know Before You Ride
Motorcycle insurance is an essential layer of protection—but it only works if you understand the terms and maintain your policy properly. By staying informed and avoiding the most common pitfalls, you can keep your claims on track and your coverage intact. Ride safe, ride smart, and protect yourself with the right insurance plan.

At Arnold Insurance Agency, LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (318) 965-5953 or CLICK HERE to request a free quote.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.