What to Do If My Insurance Denied My Scooter Claim

Research shows that the number of electric scooter accidents is rising across the United States. One recent study by UCLA researchers found that the rate of injuries in scooter accidents is disturbingly similar to injury rates for motorcycle crashes. Scooter accident victims also suffer similar injuries, such as brain injuries and broken bones.

Paying your medical bills after an e-scooter accident can be challenging. But what happens if the insurance company denies your claim? Can you receive compensation from another source? Here’s advice from the Sacramento personal injury lawyers at Demas Law Group.

My Scooter Accident Claim Got Denied. What Are My Options?

Receiving an insurance claim denial after a scooter accident may feel discouraging, but you’re not out of options. Depending on the circumstances, you might:

• File an internal appeal or request for reconsideration with the insurance company. Most insurers will allow you to file an appeal or seek reconsideration of a denial, particularly if you can correct or supplement the information in your claim.
• File a bad faith insurance denial lawsuit against the insurance company. Your claim may have wrongfully been denied because the insurer failed to investigate your claim, intentionally overlooked evidence, or made misrepresentations to you.
• File a lawsuit against the party(s) at fault for the scooter accident. By filing a lawsuit, you avoid dealing directly with the insurance company. Instead, a judge can decide the matter based on the evidence.

The best way to identify your legal options is to speak with an experienced scooter accident lawyer. An attorney can help you file an insurance claim, represent you during settlement negotiations, and ensure that the insurer does not take advantage of you.

Possible Reasons for a Claim Denial

Common reasons why insurers deny claims for electric scooter accidents include:

• The policy does not cover the claim.
• The claim falls within a policy exclusion.
• The claim had missing or inaccurate information.
• The insurer determined that you caused the accident.
• You did not file the claim on time.
• The policy limits have been exhausted.
• The claim falls below deductible thresholds.
• The insurance company canceled your policy for lack of payment.

Do I Need Insurance to Use an Electric Scooter in California?

California law does not require electric scooter users to be insured. However, some insurance companies do offer policies that provide financial protection for e-scooter owners or riders.

Why Purchase Electric Scooter Insurance?

Depending on the insurance provider, you may be able to purchase electric scooter insurance that provides coverage for:

• Theft or vandalism of your scooter
• Damage to your parked scooter
• Damage that occurs if you crash your scooter or collide with another vehicle
• Damage to any property you carry while riding your scooter, such as your phone
• Medical expenses to treat injuries you suffer in an accident on your scooter
• Reimbursement for other injury-related expenses, such as lost wages
• The financial liability you have to others for an accident you cause while on your scooter

Depending on the premiums, electric scooter insurance may provide a cost-effective way to protect yourself financially. You can also avoid turning to your health insurance coverage for injuries you suffered in an electric scooter accident.

Does Homeowners’ Insurance Cover Electric Scooters?

While your homeowners’ insurance policy may provide compensation if your electric scooter is stolen from your home or damaged in a covered event, it likely will not cover you in the event of a collision.

Call a Sacramento Electric Scooter Accident Lawyer Today

Hurt in a scooter accident in Sacramento? You could be entitled to compensation. Contact Demas Law Group for a free consultation today.