Motorcycle Accident Insurance Claims
A motorcycle accident can be terrifying, nerve-racking experience for anyone, even if you are not injured and didn’t damage your vehicle. However, the accident itself is often just the beginning of a very stressful time for anyone involved in an accident. Soon after, you’ll likely face negotiating a claim with an insurance company.
Motorcycle accident insurance claims are often very difficult to deal with, especially if you have never been in an accident before or if you have suffered injuries as a result of the crash. If you haven’t begun the negotiations process or are in the midst of a difficult insurance claim, it’s always a good idea to contact the Cycle Law Attorneys so we can advise you about your options and what you should do next.
Insurance Claim Negotiations
All states require motorcycle drivers to have insurance coverage. Dealing with an insurance company to recover damages after an accident follows a specific procedure, one that many people find intimidating.
Insurance companies make money by charging customers as much as they can for premiums and by paying out as little as possible on claims. Even if it’s your insurance company that is paying on the claim, the claims adjuster may not be willing to offer you as much as you deserve.
That’s where your attorney comes into the equation. Cycle Law Attorneys know how to deal with insurance companies regardless of the nature of the accident or the extent of the damages and injuries involved. Having an attorney on your side can level the playing field between you and the insurance company. If you don’t have an attorney, the claims process can be intimidating and leave you feeling like you’ve been cheated. Your attorney is there to make sure this won’t happen.
Insurance Claim Disputes
Insurance companies approach motorcycle accident insurance claims in largely the same way. Though each accident is unique, claim disputes typically cover the same issues.
Cost of Injuries: After your crash, the insurance company will attempt to determine the cost of all the medical expenses involved in the accident. This includes emergency services, hospital expenses, rehabilitation fees and medication costs. It’s quite common for an insurance company to estimate these expenses at a much lower cost than their real value, especially when they calculate future medical expenses.
Cost of Repairs: If your motorcycle is damaged during the accident, the insurance company may similarly underestimate how much it will cost to pay for repairs. The company may also underestimate how much the motorcycle is actually worth, especially when paying for a “totaled” motorcycle.
Claim Denial: In some cases an insurance company will blame the driver for causing the crash. The company can deny that it has to pay anything because the accident was the driver’s fault.
Any time you are dealing with an insurance company it’s important you have an experienced voice to guide you through the process. Even if everything looks ok to you, your insurance company may be trying to get you to accept a settlement that’s much less than what you deserve. Call the Attorneys at Cycle Law today so we can review your case and negotiate with the insurance company as your representative.