You could be on your motorcycle, taking your typical route home from work, when a careless motorist abruptly switches lanes without noticing you in their blind spot. The car sideswipes you, and you are thrown from your motorcycle during what would normally be a simple trip home. This is, unfortunately, one of the frequent causes of motorcycle accidents. A crash can occur when you least expect it, and dealing with the fallout can be challenging. While you are healing from the physical and mental damage sustained in the collision, communicating with insurance providers to submit a claim is the last thing you want to do. This article contains valuable information about How to file a claim for motorcycle accident injuries to deal with an insurance claim.
What Type of Claim Can I File?
Property damage claims and personal injury claims are the two categories of motorcycle accident claims.
A claim for damage to the motorcycle is referred to as property damage. If you have the right coverage, you can make an insurance claim through your policy even if you were at fault or no other motorist was involved.
Suppose another driver was clearly at fault for the accident. In most states, you would seek reimbursement from the at-fault driver’s insurance company.
Injuries and other damages resulting from an accident that the driver of another vehicle caused should be covered by their insurance policy. Establishing the other driver’s responsibility will help you succeed with your claim.
Types of Damages Collectable in a Motorcycle Accident
Depending on the severity of your injuries and property damage, as well as the insurance policy each driver has, you may be able to recover the compensation you need from insurance providers.
If your injuries turn out to be severe and your medical costs exceed insurance policy limits, you may be able to sue a careless motorist for compensation.
You should consider seeking compensation for the following losses:
- Medical expenses, such as those related to hospital stays, operations, therapy, and medication
- Lost salary due to being out of work
- Pain and suffering
- Loss of quality of life
- Property damage
Other types of compensation could be available. Because each collision is different, it is difficult to estimate the typical payment amount for a motorcycle accident. That’s why it is essential to talk about your case with a motorcycle accident lawyer.
A lawyer will guide you through the process and help you understand your legal options, the potential compensation you may get, and the likely outcome of filing a lawsuit or an insurance claim.
Also Read: What Does a Motorcycle Accident Lawyer Do?
What Are the Steps in a Motorcycle Insurance Claim?
It’s normal to become overwhelmed by the stress of an accident. The most important actions to follow to submit a successful claim for motorcycle injuries are detailed below in a short guide.
Document the Details of the Crash
It will be beneficial to collect as much evidence as possible before making an insurance claim following your accident. If you can, take pictures of the accident scene to use as evidence or ask others to do so.
When determining the scope of damages for your claim, having photographic or video documentation of the accident site may be very helpful. Additionally, it’s crucial to record the other party’s contact information and insurance details. Getting the contact information of any close witnesses will help provide further facts about the accident.
Notify the Insurance Companies
Declare your intention to submit a claim for your property damage and personal injuries to the insurance carrier of the at-fault motorist as soon as is reasonable after the collision. Also, let your own insurance company know.
Don’t be shocked if an insurance representative tries to pressure you into a speedy settlement. They are taught to resolve issues as quickly and cheaply as they can.
Before fully recovering from your injuries and finishing your treatment, you are not required to discuss a settlement. Inform the insurance provider that you are currently considering the claim.
You’ll probably be asked to produce a documented statement of what transpired by the claims adjuster. Be cautious since the insurance adjuster may use anything you say against you. If you are on medication, exhausted, disoriented, or agitated, never give the adjuster your statement.
Instead, schedule a consultation with a lawyer. They can speak to the insurance company for you and offer you guidance.
Build a Strong Claim
Suppose that you are hurt in a motorcycle accident. In that case, the at-fault party’s insurance company will not approve your claim unless you can persuade the adjuster that their insured was responsible for the collision and that the collision resulted in your injuries.
The insurance adjuster will also search for evidence that you broke the law or caused the collision.
According to the law, when a driver causes an accident due to negligence, they broke (breached) their duty of care. A biker has the legal right to pursue compensation for their injuries and associated costs when another person’s carelessness causes injuries.
A compelling insurance claim will demonstrate that the at-fault motorist breached their duty of care. For example, they may have failed to do the following:
- Keep a vigilant eye out
- Observe all traffic regulations
- Utilize all prudent precautions to prevent an accident
Remember that drivers have a responsibility toward other drivers when operating a vehicle.
Speak with an Attorney Today
At The Joel Bieber Firm, we provide free consultations. Contact us, and we will go over your legal rights and guide you on your best chance of successfully settling your claim. File a Claim for Motorcycle Accident Injuries and get compensation for your loss.