I have been riding a motorcycle for over 35 years, and during that time I have experienced many close calls with cars. It is unfortunate that many drivers don’t know how to share the road with motorcycles. They do not look for them and perhaps don’t even notice them when they are right next to them. Even drivers who are aware of motorcycles on the road don’t know how to drive safely around them. Without the protection of a car, a motorcyclist can easily sustain catastrophic personal injuries or even die as the result of a motorcycle accident.
Not knowing how to share the road with motorcycles is not an excuse. The driver of a passenger car or truck can be held liable for the losses and damages an injured rider has suffered if their negligence caused a motorcycle accident. Knowing how to file an injury claim against the at-fault party’s insurance company can help you avoid common pitfalls that can prevent you from obtaining the compensation you need.
Steps to Filing a Valid Injury Claim
Before following any of these steps, it would be advisable to consult with a knowledgeable motorcycle accident injury attorney who has experience dealing with insurance companies. All insurance companies, even your own, are in the business of saving and making money and will do their best to keep you from collecting the compensation you deserve.
Figuring out what to do after an Indiana motorcycle accident is very important if you intend to file an injury claim with your insurance company or a bodily injury claim with the liable driver’s insurance company. If you are able, make sure that you get the appropriate personal and insurance information from other drivers, and relate the details of your accident to a police officer for the accident report. This report is very important in that it will verify your claim. After the immediate aftermath of the accident, you should do the following:
- Report your accident and injury claim to a first report representative with your insurance company within 24 hours, unless otherwise specified. If your policy includes coverage for medical bills, you will be issued a claim number and your case will be assigned an adjuster that will handle processing of medical payments.
- For filing a bodily injury claim with the liable driver, you must report the claim to the at-fault driver’s insurance company. You will be asked several questions about the accident and the extent of your injuries. You will be issued a claim number and an adjuster will be assigned to your case.
- To legitimize your bodily injury claim, keep track of all medical bills/treatments, loss of income, doctor visits, rehabilitation services, emergency room visits and anything else relevant to your injuries. Have official documentation to support as many of these as possible.
- The adjuster for the liable driver’s insurance company will complete an evaluation of your claim and present a settlement offer to resolve it. This settlement will likely not provide the compensation you need to fully recover. If you disagree with the settlement, you have the right to retain the services of an attorney to file a lawsuit.
- You are more likely to obtain a fair settlement once you hire a lawyer, as the insurance company would want to avoid having to pay their own lawyers to go to court. If your claim does go to court, a judge will pass verdict on your case.
Supporting You Through the Injury Claim Process
If you have been injured in a motorcycle accident, the last thing you want is to deal with filing an injury claim with the insurance company. It is a hassle that you don’t need during your recovery. Retaining the services of a skilled motorcycle injury claim attorney from the start can help ensure that you will be presented with a fair settlement. As an experienced motorcycle injury claim lawyer in Indiana, I can help you deal with the insurance company quickly and efficiently so that you can recover and get back on the road. Call me at 800-278-9200 or, if you prefer, fill out our convenient contact form.
You'll also want to download your free ebook "Indiana Motorcyclist Guide: Protecting The Biker 101". This free resource contains valuable information to help you stay safe on the road while also providing helpful tips on what to do if you've been injured in an accident.