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Motorcycle Accidents: Dealing with your Insurance Company

It’s important to avoid volunteering information to an insurance company about the medical aspects of your case or statements that suggest you were at fault. Since you are not a medical expert and may not know the full extent of your injuries and prognosis, it is advisable for them to get that information directly from the treating doctors or hospitals (or from an attorney if you have retained one). You will need to sign a release so the insurance company can legally obtain that information.

A personal injury attorney who is knowledgeable about motorcycle cases will know the difference between a serious issue and a minor one and how the types of injuries and treatment impact the value of the case. For example, soft-tissue damage such as a sprained neck, ankle or back, may be looked upon by insurance companies as not being very significant and yet can have a devastating impact on your life by causing ongoing pain and limiting your normal activities.

You will need to know what parts of the policy to go after, and what to say to the insurance adjustor so you can get the best settlement. If you are handling the matter on your own, be aware that there may be a separate part of an insurance policy for medical pay that could provide you with some immediate cash for out-of-pocket expenses before a final settlement is reached.

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