Dealing with Insurance Companies After a Motorcycle Accident

If you are in a motorcycle accident, you may sustain serious injuries that require costly medical treatments. In Louisiana, you are required to carry a minimum amount of liability insurance, but that is meant to reimburse others if you are at fault for an accident. Since the state follows an at-fault system, the insurer of the person who caused an accident is responsible for fairly compensating injured individuals.

Since uninsured motorists are unable to register and operate their vehicles, you might assume the other driver has insurance. Some motorists ignore the law and either lack insurance or are underinsured, significantly impacting your claim. As a motorcyclist, one way to protect yourself is to increase your own coverage in case another driver’s insurance is insufficient.

Dealing with insurance companies after a motorcycle accident can be challenging without skilled legal representation. A motorcycle accident attorney could review your case and negotiate with the insurance company to secure a fair settlement for you.

Steps To Take After a Motorcycle Collision

The first step a person should take as they wait at the scene for law enforcement and medical attention is to collect evidence. Exchange insurance and personal information with the other motorist and witnesses and request witness statements about their account of the accident. Take pictures or ask someone to document the motorcycle damage, the location and positioning of the vehicles, and injuries. After speaking to the police, it is crucial to request a copy of the police report, including information about the other driver’s ticket, if issued.

When the injured driver’s physical condition is stabilized, they should review their insurance policy before talking to their agent and adjuster. Understanding the liability limits and what is covered – especially medical care – is essential in determining whether the other driver is underinsured or uninsured.

Keep all pertinent information related to the claim in one place. Medical and repair bills, letters and emails from the insurer, and a record of dates and times of communications with an insurer may also serve as vital proof for a claim.

Common Mistakes To Avoid

While it is necessary to provide some information to an insurance adjuster, do not make statements that could be construed as accepting fault for an accident. This includes refraining from making statements to the police investigating the accident. Although it may feel cathartic to admit driving mistakes, these statements could result in a reduced settlement offer. Speak with a dedicated attorney before recording or making any statement that requests personal opinions rather than just the facts.

Additionally, refuse to accept the first settlement offer made by an adjuster, as corporate insurers are not considerate of injured motorcyclists, typically prioritizing profits for shareholders. An attorney could review or negotiate these offers on behalf of the injured person.

Moreover, do not post details about the accident on social media. Insurers often check social media accounts to find inconsistencies in people’s stories, which they may use against them.

Consult With a Motorcycle Wreck Attorney For Help Dealing with Insurance Companies

Trying to recover from severe injuries while dealing with insurance companies after a motorcycle accident can be stressful. A determined attorney could negotiate with insurers to secure a favorable settlement or prepare for trial if an agreement cannot be reached. Insurers often exploit injured motorists who are unable to work after an accident, looking for any excuse to settle for less than the true value of a claim. Our lawyers could tirelessly fight for the compensation you deserve.

Reach out to Smiley Injury Law, LLC today for a free consultation to start crafting the most effective strategy for your case.