How to Deal with Insurance Companies After a Motorcycle Accident

If you have been involved in a motorcycle accident that’s left you with an injury, then you  will no doubt be forced to come into contact with an insurance company.  And not just one company; you will likely need to open a dialogue with the offending party’s insurance company as well as your own.  But most people don’t understand the best way to handle the situation.  Don’t let that be you.

Following some accidents, insurance adjusters might put in an appearance at the scene of the crash immediately.  When they do, they will often try to trap you into saying something incriminating about your role in the incident, playing off of your adrenalized state of mind.  But know this:  you don’t have to say a word to insurance adjusters at that time.  Emergency responders and police officials might seek your cooperation, and that’s perfectly fine.  But for insurance adjusters, all you have to tell them is how to contact you and your lawyer at a later date.

The Importance of Speaking With an Attorney

After the crash, it’s imperative that you consult a lawyer at once if you think you’ve got a personal injury case on your hands.  And be sure to do so before you speak with an insurance company.  A great motorcycle accident lawyer can ensure that you understand your rights and that you give an insurance agent only that information which you are required to provide by law.

Once you’ve consulted with a lawyer, you need to file an insurance claim soon so as to avoid having to wait on the benefits that can keep you and your family fiscally safe.  Many insurance companies might drag out the process for weeks or even months, and while most states restrict how long an insurance company’s response can take, the sooner you file, the sooner you get your benefits.

Ensure That You’re Being Treated Fairly

A journal of the details of your case, including times, names, and dates, should be kept.  If possible, take pictures of the accident scene and carefully document every little detail of the incident.  Collect witness statements if you can and give these statements to your lawyer.  In addition, all correspondence should be carefully kept track of, especially your conversations with insurance agents, as this record can drastically improve your chances at success if you have to go to court.

Finally, don’t trust an insurance adjuster’s estimate of the damage to your bike.  You can’t get a truly fair price until you’ve consulted with multiple trusted repair facilities.  You also shouldn’t have to settle for anything less than your insurance policy’s full value.    You might have debilitating injuries or extensive property damage, and as such, you’re entitled to reimbursement in accordance with the policy you have been paying towards for months and years.

If you’ve been involved in a motorcycle crash, speak with a qualified personal injury attorney at once.  With a great lawyer by your side, haggling with an insurance company doesn’t have to be a painful process.


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