Dealing with an Insurance Company After a Motorcycle Crash

Posted by on Aug 25, 2019 in Car Accidents | 0 comments

Whether we realize it or not, every time we head out on the road we are taking a risk. That risk is even greater for motorcycle riders. According to the National Highway Traffic Safety Administration, motorcycles have a fatality rate of 72 out of 100,000 while cars have a fatality rate of 13 out of 100,000.

If you’re a motorcycle rider, you should make sure to ride safely and protect yourself from dangers when riding. Of course, life happens, and thus sometimes motorcycle collisions happen, too. While your health should always be your first priority after any type of accident on the road, dealing with insurance companies following a crash may become a daily occurrence in your life.

Check out some tips for communicating with insurance companies following a motorcycle crash:

  • Keep it Short and Sweet

After an accident, you will likely speak to a claims adjuster, either from your insurance company or the insurance company of the other party involved in the accident. A claims adjuster is the individual that investigates insurance claims for the insurance company. This individual is responsible for interviewing the parties involved as well as any witnesses to determine the extent of how liable the insurance company is.

When you’re speaking with the claims adjuster, keep it short and sweet. Answer all of their questions to the best of your ability, but don’t give them any more information than what they ask.

Remember — they work for a company and their loyalty is to that company. If you apply more information than what is needed, they may use the information you provide to deny you the coverage that you deserve.

  • Tell the Truth

Honesty is always the best policy, especially when speaking to insurance companies. You are not likely to receive the coverage that you need after your accident if the claims adjuster that you are speaking to believes that you are not telling the truth.

You always want to avoid any legal issues in the future, so the safest thing to do is to tell the truth — even when it doesn’t make you look good. If you don’t know the answer to a question, be honest and let them know that you don’t know, but don’t make up answers to any questions you don’t know.

  • Reach out to An Attorney

If you are having trouble communicating with the claims adjuster or experience issues getting the coverage that you need following your motorcycle accident, make sure to contact an attorney as soon as possible. Because of the complexities involving motorcycle accidents, many lawyers, like The Biker Lawyers, specialize in motorcycle accidents in particular.

An attorney will be able to speak to the insurance company and help fight for the coverage you need. Even if you don’t need to pursue any legal action, speaking with an attorney before you talk to the claims adjuster might be a good idea so that you get a better understanding of your rights.

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