If you’ve been injured in a motorcycle accident and it’s not your fault, you will likely be approached by the at-fault party’s insurance company. They will try to settle the claim to the least amount possible.
Insurance companies are legally allowed to do this. In such a scenario, always consult your motorcycle accident attorney before accepting the offer. Let your attorney speak with the other party’s insurer is always better.
In this article, find out how to deal with insurance companies and how a motorcycle attorney can help you with your settlement process:
First, let’s understand why insurance companies rush to offer a settlement offer:
Why do Insurance Companies Approach You With A Settlement Offer Immediately After An Accident?
You might be surprised to receive a fair settlement from a motorcycle accident immediately after the accident. However, there is a reason why they will approach you this soon. Firstly, Insurance companies know that motorcycle accidents can cause severe injuries, and some injuries take longer to recover fully. So, they try to settle the claim before you even realize what your injuries are worth.
Secondly, the insurance company wants you to sign a settlement agreement before you consult with your motorcycle accident attorney. If you discuss your case with a lawyer, you may discover that you are entitled to compensation for more than your medical bills and lost wages. In addition, you will discover that you can claim compensation for your pain and suffering due to the injury.
After speaking with your motorcycle accident lawyer, it would help if you only accepted a settlement offer.
How To Deal With Insurance Companies?
The insurance companies might approach the settlement offer before the settlement begins. It might need to be clarified how to react to that offer as it’s all new for you.
Well, here are some of the ways you should follow in dealing with insurance companies:
Don’t Accept The Initial Offer
First, only accept the initial settlement offer the insurance company offered you. The insurance adjuster knows that you may be facing financial issues and are under stress after the motorcycle accident. Therefore, they take advantage of the circumstance by making a hasty, low settlement offer.
Accepting a settlement offer without first consulting a St. Petersburg motorcycle accident lawyer is not in your best interests. The insurance company’s original settlement offer is most likely unfair. The offer could be far less than the worth of your damages.
If you receive a cheque from the insurance company, do not cash it. You may waive your right to full compensation for all damages. Instead, speak with a motorcycle accident lawyer about your situation.
Don’t Sign Any Documents
Of course, you’ll have to sign several forms as part of the insurance claim process. Avoid signing anything from an insurance adjuster. The other party’s insurance company is seeking your medical records. A medical release form will be requested from you by an adjuster.
The adjuster could use the medical release to contact your doctor directly. Also, your doctor might need to learn how to communicate with an insurance company. The problem is that they may acquire access to more of your medical information than is required to settle the claim. Once they get to your medical records, they will use them to trick your accident claim.
Do Not Let The Insurers Intimidate You
Insurance companies will do anything to manipulate you to say things on the record that can cost your settlement’s worth. For instance, they might tell you that this is your only chance to claim compensation for your injuries or that your police report is useless in proving the other party’s fault.
Neither of such things is true! It does not matter what the insurer says; you should speak with your attorney about your motorcycle accident case.
It would help if you kept the insurer from intimidating you into accepting the offer. If your injuries are severe, you can claim compensation for medical bills, loss of wages, and much more. It would help if you always had a St. Petersburg motorcycle accident lawyer. The lawyer can help you in claiming fair compensation for your injuries.
How Can A Motorcycle Accident Lawyer Help You Dealing With Insurance Companies?
No matter how good they seem in commercials, insurance companies never have your best interest in mind; Again, they only want to settle at the least amount possible. Therefore, hiring a motorcycle accident attorney after your case is highly recommended. Here’s how they can help you:
Build A Strong Accident Claim
An experienced motorcycle accident lawyer knows how to compile, gather and obtain enough evidence to prove the other party’s negligence. They know all about insurance manipulation and how to deal with them. The lawyer will work their best to build the strongest accident claim for you.
Insurance companies know this is all new for the victim, and they don’t know how to deal with such situations. However, having an experienced motorcycle lawyer by your side will show insurers that you are serious about claiming fair compensation for your injuries.
The insurance company is more likely to offer a higher settlement if they see you working with an experienced motorcycle accident attorney. Further, a lawyer can handle all the frustrating paperwork with the accident claim.
Calculate Claim Amount
In motorcycle accidents, victims often sustain severe injuries. You can claim compensation for the following injuries after a motorcycle accident:
- Medical expenses, current, and future
- Emotional distress (such as depression, anxiety, post-traumatic stress disorder, etc.)
- Loss of earning capacity
- Pain and suffering
- Your lost wages to date
- Permanent scarring
Your motorcycle accident attorney will evaluate the total monetary value of your losses. Then, they will help you to claim fair compensation for your injuries from the other party. They will also deal with the insurers on your behalf. This way, you can focus on recovering from your injuries without worrying about anything.
Negotiate A Fair Accident Settlement
A skilled motorcycle accident lawyer can help you determine how much money you might be entitled to for your injuries sustained in a motorbike accident. Also, they deal with the insurance company on your behalf.
Motorcycle accident attorneys with experience are aware of the strategies used by defendants and insurance firms. You will be shielded from attempts to underpay you when you retain legal representation. Your lawyer will negotiate a better settlement covering all your medical bills, lost wages, physical damage to the vehicle, and so on.
Take Your Case To Court, If Necessary
Most motorcycle accidents end in a settlement with insurance companies. But sometimes, the insurance company would prefer to accept a fair settlement. In such a case, your motorcycle accident lawyer might suggest you file a lawsuit.
Your lawyer will represent you in the entire court session. They will gather all the evidence needed to prove that the other driver is responsible for your injuries. In addition, they will do everything in their power to help you achieve maximum compensation for your injuries.
How Can Coleman Law Group Help You?
With so many factors in play during the settlement process of motorcycle accident claims, it is easy to feel overwhelmed. The good news is that you can handle reaching a fair settlement with insurers. The Coleman Law Group is here to help you to make your journey easier.
Our motorcycle accident lawyers are skilled and know how to deal directly with the insurance companies on your behalf. Unfortunately, one strategy they frequently use is to misrepresent accident victims’ remarks to imply that they are to blame for the mishap. Therefore, you can avoid communicating with adjusters when you have our St. Petersburg motorcycle accident lawyers.
Additionally, our motorcycle lawyer knows the law very well and can ensure you follow the statute of limitations. Following the statute’s timeframe is essential if you want your lawsuit to be successful.
Speaking with us won’t cost you anything because we provide free consultations.