Being involved in a motorcycle accident can be a deeply traumatic experience. With little between you, the road and other elements, it doesn’t take much for a collision to become catastrophic. This also means you’re likely to suffer more serious injuries than in an accident while driving an enclosed motor vehicle.
Dealing with the aftermath of a motorcycle collision is painful enough, but you may also have to deal with insurance companies immediately after. You can file a claim for your injuries with your own insurer or directly with the insurer of the at-fault driver. However, in both cases, the insurers may try to do everything they can to minimize the payout.
How should you deal with insurers, especially when you’ve just been injured in an accident?
Understanding the insurance claim process
When you file a claim for a motorcycle injury, the insurance company will likely request documentation and evidence to support said claim. They may also request an independent medical examination (IME) to assess your injuries. This is all standard procedure to ensure you’re making a real claim for injuries.
However, insurers may attempt to limit the payments they owe you through their adjusters.
Be cautious around adjusters
Whether you’re making a claim with your insurer or the at-fault driver’s, they’ll send adjusters who will ask you all about the accident and your injuries. It might be tempting to cooperate with adjusters to get your claim on the way, but rushing into it could hurt your case. Adjusters may try to get you to admit some guilt over the accident to lower your payout or say something that could jeopardize the entire claim.
How to handle insurers
You should never admit fault or speculate about the cause of the accident. This can potentially ruin your claim. You should also avoid giving any recorded statements or signing any documents, at least without consulting a legal professional.
An attorney may be incredibly helpful in filing claims for motorcycle accident injuries. The professional can help you navigate the complex claims process, handle negotiations with insurers and fight for your right to fair compensation.
At the end of the day, insurance companies are businesses that prioritize their own financial interests. You can level the playing field by understanding your rights and taking the necessary steps.
