Frequently Asked Questions About Motorcycle Insurance Claims
In this section, we attempt to address the many frequently asked questions about personal injury motorcycle insurance claims. And rightly so, these claims are among the many roadblocks to a reasonable offer. Ehline Law goes into to detail on the many motorcycle insurance FAQ’s.
We are expert insurance claims attorneys. As a matter of fact, we have won millions without even suing. We have a burning desire to help those less fortunate. Read on, or call (888) 400-9721 to learn more.
Table of Contents:
- How Do I File a Motorcycle Insurance Claim?
- How Do I Pay For Temporary Transportation?
- Motorcycle – Repaired or Replaced?
- What are Main Causes of Motorcycle Insurance Claims?
- Who Can Help Me File an Insurance Claim?
- Penalties/Recovery Limitations on Uninsured Victims?
- How Long Till Compensation?
- Why Should I Hire a Motorcycle Lawyer?
- Payment? How Does it Work?
- Hiring a Lawyer Steps to Take
Q: How Do I File a Motorcycle Insurance Claim – What Steps Do I Take?
- It is essential that immediately preceding a motorcycle crash, that photos are snapped of the scene and even witnesses and other potential defendants, for later identification.
- An injury victim should also order copies of police reports and get to the hospital.
- The victim also need to take steps to notify their own carrier, under the terms and conditions of the insurance instrument.
Typically, the defendant’s insurance company will blame everyone but their insured, of your unborn child for the accident. Disputing liability is their modus operandi. Proving the other motorist is at fault, starts the moment the vehicles and bodies come to rest at the collision scene.
But if you have a lawyer on call or your family hires one for you, no time typically would be lost. As a matter of fact, investigators can be employed right away.
Also, you may even opt to have a lawyer call your insurance company for you. So if you are too ill or consumed by your bodily injuries, you have a fighter in your corner. An unrepresented party is looked down upon by most insurance company reps.
So you become a target with a big bulls-eye that says: “sucker.” Only a sucker represents him or herself. Having your champion is indispensable. Know this.
A: A lot of this has to do with how well your attorney argues fault. If provable, the other party has a duty to pay you for a reasonably priced rental vehicle. At least until your bike is repaired or reasonably replaced, you get a replacement vehicle.
In fact, they have a duty to place you in a car of equal value to what you lost. In some cases, if it was a work vehicle, the insured defendant has a duty to pay for the loss of use as well. But without a motorcycle lawyer, your not in the pole position for the legal aspects.
Knowing how to make these arguments is an art. Most of all that requires extensive evidence and metal preparation. Lawyers are trained in this as part of their duties.
A: A represented party can get their counsel working right away in negotiating a resolution for the property damage portion. If your lawyer is successful in arguing liability is with their insured, repairs are conducted in a rapid fashion.
But other issues may arise such as the fact you want original and not aftermarket parts. Sometimes you need additional money to pay for upgrades and modifications you performed. So these are valued based upon their current, actual value.
There is no real way to ensure the other insurance will pay full value. But having a lawyer drastically increases the chances of an excellent result. Other times, you may have severe, irreparable damage to your bike.
In that case, it may need to be replaced. And the insured person may not have enough coverage. So hopefully your lawyer can work with your comp and collision adjuster. At least you could pay it off with no lawsuit or out of pocket costs.
A: First, we only know of the reported cases of motorcycle accidents. As discussed previously, some people opt not to make insurance claims or police reports. In my opinion, lack of driver visibility remains the main cause of wrecks. Motorists, as a general rule, fail to look out for the occasional bicycle or motorcycle. So inattentiveness and failure to be careful remain the biggest cause of motorcycle wrecks.
Secondary and no less significant are:
- Novice riders.
- Experienced riders on a new bike.
- Excessive speed.
- Intentionally running a rider off the road.
- Road ragers.
- Fidgeting with cell phones and radios.
- Applying make up, etc. (aka distracted driving.).
Left hand turn and traffic intersection accidents make up our primary caseload. Fellow travelers could become distracted. Or they could fail to judge the speed of the oncoming rider.
These are just some of the causes. No matter how enthusiastic a rider is, the thrill of riding can become a nightmare. Riders must pay particular attention and be on the lookout 100% of the time. If not, the whole family may suffer.
With the freedom of movement and lack of restrictions from riding, comes the truth that riders must be right 100% of the time. No room exists for an error in judgment when riding. And this remains true at high, and lower speeds. There is no turning back. A committed rider goes past the point of no return.
Q: Who Makes/Files Motorcycle Insurance Claims?
A: As discussed, rider can handle their claims in propria persona. But they would be better with a motorcycle lawyer pro. If the rider passed away, then the heirs would be making the claim. But need for legal insulation is even more true when a rider suffered a fatality.
The family members are typically in mourning and grieving. This is a time to contemplate alone. This is where an excellent leader can make their presence known. Having a lawyer is like having body armor and a machine gun when confronted by a knife-wielding maniac. Ehline law act as legal Marines. Do or die; we make it happen!
A: Not having motorcycle insurance prevents a fault free rider from recovering general damages. So they get no pain and suffering, etc. But this does not alter or diminish their eligibility to recover special damages. In fact, they can get lost wages, future care, past care, and expenses like retraining for work. And it does not stop there. Downed riders can also seek money for rehabilitating a body part, etc. Plus, you still get money for the repair or replacement of your motorcycle.
Of course, one potential penalty aside from the failure to recover general damages is that law enforcement could fine you. Because you failed to abide by California liability insurance law, the police may impound your bike. So beware of storage fees and court costs to clear the ticket and impound.
A: This is the most often posed question of any impatient victim. As discussed previously, each traffic collision is judged on a case by case basis. Your overall health and financial situation and impact on life always remain different than another person. Only a medical doctor can assess nature and extent of a victim’s injuries.
It could be that several medical specialists need to examine or operate on you. Only then can your legal counsel be competitive in his or her settlement negotiations. With good intel and evidence, your lawyer could hit a home run. So a top legal team could rapidly resolve the claim after release from medical treatment and rehab.
A: An aggressive, compassionate and caring attorney is not enough. Your attorney needs to experience riding first hand. Only then can he or she capably argue on your behalf. Akin to this would be two fighter pilots discussing an in-flight maneuver.
A lawyer experienced in riding will be able to talk shop with the fallen rider. Our lead counsel, Michael Ehline, is a lawyer who rides. We are in a position to talk shop with the rider. This helps us protect the rider’s rights better than if we were just some thief with a suit on.
We assist in determining road defects, work with your doctors, and investigators to build your case. Our goal is to achieve a decisive victory by leading from the front. In short, since we are lawyers who ride. So we can put ourselves in your shoes!
A: Getting the settlement you deserve is only a phone call away. Our competent, highly specialized operatives are more like a military unit on a mission. But we are on a mission of mercy to liberate the oppressed motorcycle casualty from bills and fault. Also, we offer them a second chance at a better future.
For fallen riders no longer with us, we fight to uphold the family honor. Also, we work to obtain provisions for the children, siblings or spouses that have rights as heirs.
These are the types of cases we thrive upon. No case too hard, no client to difficult. Do or die, Ehline Law makes it happen. Call and speak to a firm that has retrieved millions upon millions of dollars in legal remuneration for clients. Get a free call, and no obligation consult now. Call (888) 400-9721. We are here to answer your most frequently asked questions 24 hours a day, seven days per week.