Motorcycle riders often face unique challenges when handling insurance claims following an accident. Between higher medical costs and possible bias against motorcyclists, it can be tough to get a fair settlement. Understanding how insurance companies operate and what steps to take can make a big difference in your final compensation.
Why Insurance Companies Often Treat Motorcyclists Unfairly
Many insurance adjusters assume that motorcyclists are risk-takers who speed or weave in and out of traffic. This perception can push them to look for even the tiniest mistakes you made and try to use it as an excuse to deny coverage. These biased assumptions can appear throughout the claims process. Adjusters may question your story more closely or try to blame you for injuries caused by the other party. As a result, motorcyclists who should receive full coverage may be pushed into settling for a fraction of what they’re owed.
A lawyer can fight these stereotypes by presenting clear evidence of your safe driving and showing that the other party was the negligent one.
How a Personal Injury Lawyer Can Help with Your Insurance Claim
Navigating the insurance claims process can be intimidating, especially if you’re also managing pain, recovery, and daily responsibilities. A personal injury lawyer can handle the heavy lifting and help you in the following ways:
- Gathering Evidence: Attorneys know how to collect and organize the evidence you need. This might include getting police reports, interviewing witnesses, and reviewing medical records or accident scene photos to provide irrefutable proof of your injuries and damages.
- Negotiating a Fair Settlement: Insurance companies often start with low settlement offers or try to deny valid claims. A lawyer will push back by using the gathered evidence to demand compensation that accurately reflects current bills, future treatment costs, and other losses.
- Communicating on Your Behalf: An attorney can manage updates and discussions with insurance adjusters, so you don’t have to navigate their phone calls and emails on your own. This helps reduce stress, since you can focus on healing while your lawyer handles important deadlines and paperwork.
- Preparing for Trial if Necessary: If negotiations fail or the insurance company refuses to offer a fair settlement, a lawyer can represent you in court. They’ll build a case that demonstrates the other side’s liability and explains the full scope of your damages.
In most cases, the simple act of working with a lawyer will force the insurance company to take you more seriously. It’s always a good idea to get legal representation after such a serious type of accident.
What NOT To Do After a Motorcycle Accident
When you’ve just been in a motorcycle accident, it’s natural to feel shaken up and uncertain about your next steps. While there’s plenty of advice on what to do, it’s just as important to know what to avoid so you don’t jeopardize your health or any potential legal claim.
Don’t Leave the Scene
Leaving right after a crash can weaken your case and make things more complicated. In fact, leaving an accident site can even lead to criminal penalties, so it’s crucial to stay put until the authorities allow you to go.
Don’t Admit Fault or Apologize
Saying “I’m sorry” or taking blame can be used against you later, even if you were just trying to be polite. Let the police and insurance companies investigate, and stick to the basic facts when speaking to anyone right after the accident.
Don’t Skip Medical Treatment
Even if you feel fine at first, some injuries don’t show symptoms right away. Getting evaluated by a doctor builds a medical record, shows you’re taking your health seriously, and can be vital evidence should you file a claim.
Don’t Give Detailed Statements Without Advice
Anything you say could impact your legal options if insurance adjusters or investigators twist your words. Consider waiting to talk about the specifics until you can consult a lawyer and fully understand your rights.
One of the most important things you can do after an accident is to consult with an attorney experienced in Denver motorcycle claims. Contact us today to schedule a free consultation.