>Fell off motorbike injuring my wrist - a bus coming in the opposite dirxn forced me on to some slippery road
>No other vehicles/people involved
>Some bleeding from hand and wrist pain but was able to get up and drive home so no ambulance or police were called.
>Contacted insurance before going to hospital to review any requirements prior to seeking treatment.
>Was told to get MD's reports, test results and all receipts. No mention of need for accident or police report.
>Went to the hospital by taxi
>Seen by Er doc then referred to orthopedics
>Ct scan: slip chip in one of the wirst bones
>Sent home
>Cost 750 Euros
>Submitted my documents - told that condition of policy was that all laws were being followed at the time of the accident
>Told me they needed proof I was wearing a helmet
>I had no way to prove this and MD's were not willing to write this in their report.
>I argued that they were denying my claim based on a technicality - I was claiming reimbursement for a wrist injury, not a head injury. In the absence of a head injury, the requirement to follow the law should really just be limited to not being intoxicated and having a valid DL.

Are people expected to call an ambulance or police just to document for insurance that they are not drunk and are wearing a helmet? I've been paying them monthly for 3 years so my only leverage is threatening to cancel my policy with them and find another provider. Still waiting to hear back.
What does /trv/ think?

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Travel Insurance claim denied on a technicality - justified or not?