For the damage (fault) to your bike, it is fairly straightforward, depending on the type of insurance coverage and on the bike’s value. You are entitled to compensation: if your motorcycle was completely wrecked, your reimbursement is set at the fair market value of the property immediately before its loss. If it still can be repaired, your reimbursement is the cost to repair it. If you are partially at fault, your settlement claim is usually reduced.

It is not up to the adjustor to provide the best settlement. You get what you negotiate. The truth is that the bigger the medical bills, the higher the settlement value and the more seriously the insurance company will take you. So if your bike is totaled or significantly damaged, the adjuster is probably expecting to see bills for medical treatment.

If the injuries are minor (no or minimal treatment) and the fault for the accident is not in dispute, your can try to work with the adjuster directly to settle your claim. However, if your negotiations are not going smoothly on either the property damage claim or the claim for bodily injuries, or liability (fault) is unclear or in dispute, there is no advantage for you waiting for the adjuster to respond. Contact an attorney and discuss your claim. Ask the lawyer if it is worth his or her time or should you try to settle it on your own. If they suggest settling, they may be happy to give you recommendations on what you can do to maximize the settlement.

Finally if you cannot afford to lay the money out and do not have any insurance coverage, an attorney can arrange for the medical bills to be deferred until a settlement is reached.