Motorcycle Accident Insurance Claims
Riding a bike is great fun. Having insurance provides some insulation if you’re injured while enjoying an exciting cruise through the surface streets or highways.One false step and thrill can soon turn to a chill.
Getting seriously injured in a motorcycle accident means the sad realities of loss of freedom. So no more road trips. Rather, now you are faced with extended hospital visits, and other tribulations and ordeals. And these remain things that no one should have to endure.
A car versus motorcycle crash is always a lose lose proposition for a biker. If another motorist knocks a rider from their bike, and coverage is in doubt, the rider will have a tough go of getting enough compensation. In fact, without proper insurance protection no way may exist to recover money. Read on an learn more, or call a top pro motorcycle lawyer at Ehline Law Firm at (888) 400-9721.
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There are a few steps a rider, and car driver can initiate before and after an accident. So now they can lessen the possibility of a future financial shortfall as follows:
- Make sure to limit discussions at the accident scene to exchanging insurance and license info, and documenting injuries. Tell police just the facts of how the accident took place. Do not get emotional or go into diatribes.
- Get to the hospital, preferably with an ambulance. (Read why here).
- Contact your insurance carrier. Get a lawyer before giving anyone a recorded statement. Critical!
- Never sign a release or even the back of a check, or money draft until seeking wise legal counsel.
- Never sign anything generated by a non-attorney, such as a general release. Always get a legal opinion from a licensed member of the Bar.
Admissions and Confessions Post Incident Are Often Fatal To Maximum Recovery.
When people are agitated or riled up, they tend to become loose-lipped in their comments. Some people feel the urge to sing like a bird. This makes sense, after all, an accident can be jarring and jolting. The trauma and fear may prompt a person to say they are responsible, to apologize, etc.
This non-essential approach of showing sorrow can poison your case. Also, this remains true even if it turns out later your assessment of fault was wrong. This is a job for police and accident recon people.
Don’t make unneeded or ill-advised comments. Focus on your medical situation. So get stabilized and evacuated to a hospital. Use this tact when talking to bystanders, cops, the other parties. Do the same with anyone else who later could testify as a witness.
As part of your duties as a contracting party to an insurance policy, you are probably required to call your provider when practicable. State Farm, Farmers, Mercury and most others need this. And most provide 1-800 numbers at no cost to you.
Speak to a Lawyer and Close Your Mouth.
So this means you can even call from a hospital. Also, this is also a great practice because your carrier then takes steps to photograph the vehicles. Usually, they do so at the accident scene. As a matter of fact, this strengthens the claim of the non-fault party. So if you are unsure how to answer the questions of your claims adjuster, don’t guess.
Just be honest, and say you don’t know. Even better, speak with a motorcycle lawyer first. As always, never say you caused the accident. Don’t give them an excuse to refuse payment.
Instead, limit your views to the black and white. “Yes,” “No,” “I don’t know” “I don’t remember,” “It was sunny,” “I was wearing my seatbelt.” Or it could be “the other driver appeared to be driving at approximately 60 in a school zone and has a cell phone on his right ear with his left hand as I saw in my rear-view mirrors.” Or “I passed out after he hit me at about 50 miles per hour. But I was at a complete stop for the red light.” <<< These are called facts. Learn them.
Who Determines Responsibility?
Sometimes, there are no witnesses. As a result, the case centers on the credibility of the parties. At any rate, this remains the case in many sideswipes and left-hand turn accidents. But a rear end collision is almost always a winner for the rear-ended party.
However, in these other cases, it is not clear who is at fault. This remains especially true if one motorist is lying, or trying to get out it. Sometimes the other party’s insurance adjuster will cut a deal with the other party on payment of property loss. But they may agree to disagree on liability for the injuries.
But you may be required to mediate or utilize binding arbitration in your UM or UIM claim with your carrier. If no agreements become reached, you are left squaring off against your company. Either way, no one wants to be at fault.
For one, your rate can go up. Also, the DMV can suspend your license in extreme circumstances. No doubt, a reputation stigma like this is something no one wants. Aside from lodging a written objection, an at-fault accident is a permanent stain on your insurance record. Plus, it stays on your DMV report for at least three years.
Your goal is getting the most compensation as possible. The insurance company’s vision is to get out of paying anything or paying the smallest amount possible. An unrepresented party is easy pickings for a highly trained adjuster.
The Third Party Carrier Owes You no Duty.
The other party’s adjuster owes you zero legal duty at all. So keep in mind that they could trick you into signing a release. Or they could trick you into signing the back of a check. And that could be considered a general settlement, barring you from seeking more compensation. So you could inadvertently forfeit your legal rights. Don’t do it. Hire a lawyer!
Often the parties themselves will agree to work it out at the accident scene. So if neither injured party was hurt, their rates wouldn’t risk going up. So at least they won’t get canceled. It could be a handshake, no cops, no insurance companies, and “I’ll send you and check when I see three estimates to fix your car,” etc.
Simple right? But that’s not always true. Sometimes you will hurt after you get home. Or the other guy will string you along, placing distance between the accident with time.
And since you never notified your company out the gate, you may have failed to abide by your duty to report quickly. Thus, you may be voiding your coverage. Even when tardy claims are accepted, some are suspect and treated as fraudulent, or suspect cases.
Outstanding Trial Lawyers Can Make The Difference.
No matter what you do, if you do seek legal representation, keep in mind that the outstanding trial lawyers at Ehline Law Firm are highly trained and proficient motorcycle injury lawyers. We have the wherewithal to lead your case through all steps of your insurance claims.
As members of the Bar, our representatives specialize in injury claims. Also, we take special continuing legal education classes. Additionally, our lawyers maintain international respect. We have obtained humongous insurance settlements and rewards. Because of this, we remain a dominant force for good.
Job number one for us is ensuring you get the greatest amount of compensation. But we want to do so with the least amount of risk and detriment to you. After all, you are not just a file with us; you are also our friend.
Thus, if you or a loved one were the unfortunate victims of a motorcycle vehicle incident, not your fault, we will fight the big guy for the rights of the little guy.
Our goal of justice means getting your fair and reasonable compensation. An added benefit, is that our lead counsel used to work in the insurance industry. So we have insider knowledge of how to maximize results for our deserving clients. Do or die, Ehline Law fights to max your case.