Small Accident, Big Consequences: The Need for Legal Guidance After a Crash

Small Accident, Big Consequences: The Need for Legal Guidance After a Crash

Minor Crash, Major Impact: The Importance of Consulting a Lawyer


Imagine this: you’re cruising down a scenic Iowa road on your motorcycle, the sun setting in the distance. Suddenly, a car swerves into your lane, causing a minor scrape. You feel fine, the bike has just a few scratches, and the car driver is apologetic. It seems like a straightforward, minor incident.

Yet, the next day you start having pain in your back and left shoulder, and the quotes for the repair bills are higher than expected. This story is all too common in the biking community, highlighting a crucial but often overlooked issue: the importance of consulting a lawyer after even the most minor of crashes.

Why? Let’s delve into it, uncovering why legal advice is not just a precaution, but a necessity.


  • Even minor crashes can lead to significant legal and financial issues.
  • Lawyers help navigate insurance claims and ensure fair compensation.
  • Legal advice is crucial for addressing potential delayed injuries.
  • Attorneys can identify and pursue compensation for hidden damages.
  • Consultation with a lawyer safeguards your rights and future claims.
  • Consider the 4 common concerns after a crash:
    • Cost NOT to hire a lawyer
    • When to consult with an attorney
    • If you actually need a lawyer
    • The risks of going alone against an insurance company

Understanding Your Rights and Insurance Claims

Even the most minor of crashes can result in an overwhelming process to find a resolution. No one expects you to be an expert on what your individual rights are in every situation or on the nuances of navigating negotiations with insurance companies. 

Frankly, insurance companies are banking on being able to take advantage of your understandable lack of knowledge of the ins and outs of personal injury law.

Look at it this way, if your bike had a problem and you didn’t know how to fix it, you wouldn’t trust just anyone to work on it. You’d bring it to an expert mechanic to make sure it’s done right. We’re like legal mechanics when it comes to crashes – no matter how minor or extreme.

Dealing with Insurance Companies

Watercolor Splash image of a greedy insurance adjuster sitting in piles of cash

Navigating the complex world of insurance claims is challenging. After a minor crash, insurers often aim to settle quickly and cheaply. A lawyer understands the tactics insurance companies use and ensures you don’t settle for less than you deserve.

Protecting Your Rights

It’s crucial to understand your rights following an accident. A lawyer can explain your rights, helping you avoid decisions that could jeopardize future claims. They ensure that your rights are protected throughout the process.

The Hidden Impacts of Minor Accidents

Image of a technician working on detail work of a motorcycle's paint job

Just as a small, unnoticed leak can eventually cause major damage, the impact of a minor accident might not be immediately apparent. It’s easy to overlook the potential consequences when everything seems fine on the surface.

Like a mechanic who catches those sneaky under-the-hood issues, a lawyer spots the hidden effects of a minor crash. This includes stuff like delayed injuries or unseen bike damage – problems you don’t want to miss.

A key NHTSA study, ‘Exploring the Relationship Between Entry-Level Motorcycle Rider Training and Motorcycle Crashes‘, backs this up. It shows that bike crashes, big or small, are complex beasts. The study dives into how crashes affect both new and seasoned riders differently, highlighting why expert legal help is a must. 

It’s not just about the crash; it’s about the curveballs that are thrown at you later.

Delayed Injury Symptoms

A man with a neck injury being evaluated by a doctor

What seems minor initially can evolve into significant health issues. Many injuries, like whiplash or internal bruising, aren’t immediately apparent. A lawyer helps link these delayed symptoms to the accident, crucial for compensation claims.

The Value of Legal Expertise

Personal Injury Attorneys, The Biker Lawyers Dan Matzdorff and Pete Leehey consult with a client

Navigating the aftermath of a motorcycle crash, big or small, can be as complex as disassembling and reassembling an engine. Just as you wouldn’t attempt a major engine overhaul without the right knowledge and tools, handling legal matters without expertise can lead to missed opportunities and unresolved issues.

Attorneys specializing in motorcycle accidents bring a level of expertise that’s like a master mechanic for your legal needs. They have the tools, knowledge, and experience to meticulously work through the legal complexities, ensuring that every component of your case is handled with precision and care.

Expertise in Accident Law

Lawyers specializing in motorcycle accidents possess deep knowledge of relevant laws and regulations. Their expertise is invaluable in navigating legal complexities and advocating on your behalf.

Maximizing Compensation

A lawyer evaluates all aspects of your claim, including medical expenses, lost wages, and emotional distress, ensuring you receive fair compensation for all damages.

4 Common Rider Concerns After a Crash

Digital art piece showing two people talking in a motorcycle garage

Feeling a bit overwhelmed or uncertain after a minor crash? You’re not alone. 

Over the years, we’ve stood shoulder-to-shoulder with countless riders just like you, addressing worries and smoothing out those post-crash anxieties. 

We get it – the road after an accident can be full of twists and turns. But here at The Biker Lawyers, we’ve seen it all and understand exactly what’s on your mind. Let’s tackle your concerns together, ensuring you’re equipped with the knowledge and confidence to navigate this journey.

1. I can’t afford a lawyer, so why hire one?

Think of it like this: the initial legal consultation is like a free test ride. You’ve got nothing to lose and a whole lot to gain. 

Our firm works on a contingency fee basis. That means you don’t pay attorney fees unless we get you money. We’re in it together. There’s no downside to talking to us about your rights. It is likely we will be able to help you recover far more from the insurance company than if you try to go it alone.

2. How quickly should I consult a lawyer after a minor crash?

It’s like checking your bike right after a rough ride. The sooner, the better. Legal issues, like mechanical problems, can get worse over time if ignored. Consulting a lawyer immediately ensures that your rights are protected right from the start, and important evidence is preserved.

3. What if I only have minor pain after the accident? Do I still need a lawyer?

Minor pains after an accident often become worse over time. Even minor injuries need to be checked out and followed. That way, if the injuries get worse later, you will have made a record of your injuries. 

Seeing a doctor for the first time weeks after the accident opens the door for the insurance company to claim your injuries were caused by something other than the accident. 

A lawyer can best help you navigate the problems that can be caused by delayed symptoms if you get the lawyer involved shortly after your accident.

4. Can I handle the insurance claim myself?

Handling an insurance claim alone is like tuning your bike’s engine without the right tools and expertise. You might manage the basics, but you could miss critical details. A lawyer knows the ins and outs of insurance claims and can help you navigate the process effectively, ensuring you get what you’re entitled to.


Cedar Rapids Iowa based Personal Injury Attorney Pete Leehey meets a client outside a courthouse.

The story from our introduction isn’t just a narrative; it’s a reality for many bikers. Consulting a lawyer after a minor crash isn’t about being litigious; it’s about protecting your health, finances, and rights. Don’t let a minor accident turn into a major headache. 

Remember, at The Biker Lawyers, we’re not just attorneys; we’re bikers too. We understand your journey because it’s ours as well. Our role as your legal mechanics is to ensure your journey through this process is as smooth and successful as possible, making sure you’re back on the road with confidence and peace of mind. 

For a free consultation and to ensure your ride remains safe and just, contact us today.

They were on their phone and hit me.

They were on their phone and hit me.

They Were on Their Phone and Crashed into Me: Navigating Legal Steps After a Motorcycle Accident

“It was just another day on the road, the wind in my face, the freedom of the ride – every biker’s dream. But in a split second, everything changed. A driver, more focused on their phone than the road, veered into my lane and my ride came to an abrupt end. I ended up in the hospital while the other guy ended up with a wrecked car.” 

As seasoned bikers and personal injury attorneys in Iowa and Minnesota, we’ve seen this scenario all too often. The good news is that we’re here to help you understand what to do to get on the road to recovery.

Here’s a guide to navigating the aftermath of a motorcycle accident caused by distracted driving, a situation no rider should face but must be prepared for.


  • Understand Iowa’s laws against distracted driving, which bans texting but allows phone calls for most drivers.
  • At the accident scene: Prioritize safety, keep your gear on, assess injuries, and call emergency services without admitting fault.
  • Collect evidence on-site and inform your insurance company.
  • Post-accident: Get medical attention, handle motorcycle repairs, consult an attorney, and keep comprehensive records.
  • Pursue prescribed treatments diligently.

Understanding Iowa’s Distracted Driving Laws

In Iowa, the law takes a tough stance against texting and electronic messaging while driving. However, there’s leniency for talking on the phone, except for younger drivers and certain license holders. Knowing these details is crucial, especially when you’re entangled in an accident with a phone-distracted driver.

Legal Penalties for Distracted Driving in Iowa

Violations of Iowa’s distracted driving law range from fines to potential license suspensions, especially if the violation leads to serious injury or death. These penalties underscore the seriousness with which the state treats distracted driving, which can be a critical aspect of your legal case if you’re involved in an accident with a distracted driver.

Immediate Actions at the Accident Scene

Photo of a model depicting a crash scene

First, ensure safety by stopping safely and keeping your gear on. This can protect against aggravating potential injuries. Contact emergency services without acknowledging fault, and gather evidence such as photos, details of all parties involved, and witness information.

Click here to share this article with someone who needs to be reminded not to text and drive.

Post-Accident Steps

Seek medical attention promptly to document your injuries. This is crucial for insurance and potential legal claims. Report the accident to your insurance and document repair costs. Considering the complexities of accidents involving distracted driving, consulting an attorney is vital for understanding your rights and potential compensation. Keep detailed records of your recovery and expenses.

Image of a biker contemplating the aftermath of a crash


If you find yourself in the unfortunate situation of a motorcycle accident due to a distracted driver, remember that your immediate and subsequent actions are critical. For personalized legal guidance and representation in Iowa and Minnesota, contact The Biker Lawyers. As fellow bikers, we understand your struggles and possess the expertise to navigate these complex scenarios.

Beyond the Crash: The Unseen Journey of a Biker from Accident to Courtroom

Beyond the Crash: The Unseen Journey of a Biker from Accident to Courtroom


Imagine this: you’re cruising down a scenic road, the wind in your face, a sense of freedom pulsating through your veins. Suddenly, a car swerves unexpectedly into your lane. In a split second, your world turns upside down. This isn’t just a hypothetical scenario—it’s a reality many bikers face. 

As a seasoned biker and a personal injury attorney with four decades of experience, I’ve seen the aftermath of such incidents and the unique challenges bikers encounter from crash to trial. In this article, we’ll take a look at three things many people don’t consider after an accident, but should.

TL;DR Summary:

  • Psychological Impact: Discusses the often-overlooked emotional and mental trauma bikers face after an accident.
  • Legal Complexities: Explores the specific legal challenges and biases bikers may encounter in the court system.
  • Insurance Negotiations: Sheds light on the complexities and hurdles in dealing with insurance claims post-accident.

Psychological Impact in the Aftermath of a Crash

Image of a man sitting alone in a dark garage. This image illustrates the psychological impact a crash can have on a motorcyclist.

After a motorcycle accident, the physical injuries are often visible, but what many don’t see is the psychological impact. Bikers can experience a range of emotions from shock and disbelief to anger and depression

In some cases, Post-Traumatic Stress Disorder (PTSD) can develop, making it difficult to get back on the bike. This emotional toll can affect personal relationships, work, and the overall quality of life. Seeking professional help is crucial in these situations. These types of non-economic damages are the kind of thing riders need to know they should talk to their lawyer about.

Legal Complexities of an Accident

Image of a scroll that says personal injury next to a gavel and a law book

Navigating the legal system post-accident can be daunting, especially for bikers. There’s a prevalent stereotype that bikers are reckless, which can unfairly influence a case. Understanding your rights and the nuances of motorcycle law is critical. 

This is where having a knowledgeable personal injury attorney, familiar with the biases and intricacies of biker cases, becomes invaluable. They can help level the playing field, ensuring your side of the story is heard and represented fairly.

Insurance Negotiations

Decorative image of the word Personal Injury Claims

Dealing with insurance companies after a motorcycle accident is another hurdle. Often, these companies are more concerned with minimizing their payouts rather than providing fair compensation. Understanding policy details, liability, and the extent of coverage is crucial. 

A common mistake bikers make is accepting the first settlement offer, which is usually far below what they are entitled to. Having an experienced attorney negotiate on your behalf almost always makes a huge difference in the outcome of these negotiations.


Image of a motorcycle helmet that has been destroyed after an accident

The journey from a motorcycle crash to the courtroom is filled with challenges that go beyond physical injuries. Emotional trauma, legal complexities, and tough insurance negotiations are part of the reality many bikers face. As bikers and as seasoned attorneys, we understand these challenges intimately. If you’re going through this journey, you don’t have to do it alone. Contact The Biker Lawyers for a free consultation and let us help you navigate these uncharted waters.

The 2023 Biker’s Guide to Winterizing a Motorcycle

The 2023 Biker’s Guide to Winterizing a Motorcycle

All-Season Motorcycle Maintenance: Preparing for Winter

As winter approaches, it’s crucial for bikers to prepare their motorcycles for the off-season. This means it’s time to think about how you’ll be storing your bike in the winter months. 

This comprehensive guide provides insights into the process of winterizing your motorcycle, explaining its importance and effective methods. This guide is for seasoned riders and newcomers alike. Understanding what to consider for winter motorcycle storage and how to properly care for your motorcycle during winter is key to ensuring its longevity and performance.

What is Winterizing a Motorcycle?

Image of a man walking away from a motorcycle with a gas can. A golden retriever sits behind the bike.

Winterizing a motorcycle involves preparing and protecting it from the damage of cold weather and prolonged inactivity. This process includes steps from battery care to fluid maintenance, all aimed at preserving the bike’s condition.

Why Should You Winterize Your Motorcycle?

Winterizing is essential to protect your motorcycle from the effects of inactivity and cold weather. Fluids can degrade, batteries can lose charge, and tires can develop flat spots. This process helps prevent these issues, ensuring your motorcycle remains in good condition and is ready for spring.

What Happens if You Don’t Winterize Your Motorcycle?

Skipping winterization can lead to several problems. Nobody wants to deal with a drained battery, degraded fluids potentially causing engine damage, loss of tire pressure, or a clogged fuel system. These issues can result in costly repairs and delay your return to the road.

Do You Have to Take Your Motorcycle to a Mechanic to Make Sure It Is Winter-Ready?

Many aspects of winterizing your motorcycle can be done at home, though a mechanic can provide additional help.

What is a Battery Tender and Why is it Important?

Image showing a motorcycle on a trickle charger

One of the most important steps in this process of winterizing a motorcycle is using a battery tender. This device helps maintain the battery’s charge and prevents it from draining during the winter months. More motorcycles rely on advanced electronic systems than ever before. This alone is why it’s even more crucial to have a battery tender to avoid any potential damage.
Failing to use a Battery Tender could force any rider to pay (what we like to call) “The Idiot Tax,” and buy a new battery. 

Image of a man who is regretting forgetting to attach a Battery Tender to his motorcycle's battery before storing it for the winter.

Look, to put it simply, A Battery Tender is crucial for winter storage in the Midwest, especially for modern motorcycles with electronic systems that can drain the battery.

When Should You Winterize Your Motorcycle?

It is recommended to winterize your motorcycle before the first frost hits. This will ensure that your motorcycle is properly prepared for the cold weather and minimize the risk of any potential damage. By following these winter storage tips and best practices, you can ensure that your motorcycle remains in top condition and is ready to hit the road when spring arrives.

How to Properly Winterize a Motorcycle

Using a battery tender is a great start, but there are several other steps you should take to properly winterize your motorcycle. 

Drain (and Refill) the Tank

Firstly, it is important to drain the fuel tank of old gas to prevent any fuel from deteriorating and causing damage to the engine. When refilling the tank with fresh gas,  adding a fuel stabilizer is also recommended to keep the fuel fresh and prevent it from clogging the fuel system.

“Freshen up those Fluids”

Lubricating the moving parts of your motorcycle is another crucial step. As Harley-Davidson says, “Freshen up those fluids.”This will help prevent any rust or corrosion from forming during the winter months. It is also advisable to store your motorcycle in a dry and secure location, away from direct sunlight. This will further protect it from any potential damage caused by moisture or extreme temperatures.

Changing the oil and filter is another important step in the winterization process. This will ensure that your motorcycle’s engine is protected during the winter months. 

Keep it Clean

Before storing your motorcycle, it is important to clean it thoroughly. This will remove any dirt or debris that could potentially cause corrosion.

Under Pressure: Inflate Your Tires and Cover Your Ride

Image of a man checking his motorcycle's tire pressure

Lastly, it is crucial to inflate the tires to the recommended pressure to avoid any flat spots later and cover your motorcycle with a breathable cover. This will help prevent any damage to the tires and protect your motorcycle from dust and debris.

How Do You Winterize a Fuel-Injected Motorcycle?

For fuel-injected bikes, stabilize the fuel, maintain the battery, and ensure fresh engine oil. Run the engine after adding a stabilizer to circulate it through the system.

Do Electric Motorcycles Need to be Winterized? If So, How is it Different?

Electric motorcycles also require winterization, though the process differs slightly due to their lack of a traditional fuel system and engine oil. Key steps include:

  • Maintaining the battery is crucial for electric bikes. Store the battery at a partial charge and in a cool, dry place.
  • Checking and maintaining tire pressure.
  • Lubricating moving parts like the chain (if present) and controls.
  • Storing the motorcycle in a dry, cool place and covering it with a breathable cover.

Here’s how one Electric Motorcycle owner winterizes his bike:

The Biker’s Complete Winterizing Checklist

Here’s a list of 7 tips for putting away your ride for the winter. Below you’ll find a more comprehensive and complete checklist and why it’s

Image with 7 tips for storing a motorcycle in the winter

1. Clean and Dry the Motorcycle

Why? Removes dirt, grime, and road salts that can cause corrosion during storage. Ensuring the bike is dry prevents rust and moisture damage.

2. Change Engine Oil and Filter (for non-electric bikes)

Why? Old oil can contain contaminants and acids that may damage the engine. Fresh oil provides better protection during the storage period.

3. Fill the Gas Tank and Add a Fuel Stabilizer (for non-electric bikes)

Why?: A full tank prevents moisture from accumulating inside the tank and causing rust. A fuel stabilizer keeps the fuel from degrading and clogging the fuel system.

4. Disconnect and Attach the Battery to a Battery Tender

Why? Prevents the battery from discharging and becoming unusable, ensuring it remains charged and ready for use.

5. Inflate Tires to the Recommended Pressure

Why? Helps prevent the development of flat spots on the tires due to prolonged storage and maintains tire health.

6. Lubricate Moving Parts

Why? Protects against corrosion and ensures that parts like the chain and controls move smoothly when you’re ready to ride again.

7. Check and Replace Worn Brake Pads

Why? Ensures your safety when you start riding again, as worn brake pads can significantly reduce braking efficiency.

8. Store in a Dry, Cool Place and Cover

Why? Protects the motorcycle from environmental elements like moisture and dust, and keeps it clean.

9. Inspect and Lubricate Cables

Why? Ensures smooth operation of the clutch and throttle, and prevents cable breakage due to wear or corrosion.

10. Check and Top Off Coolant/Antifreeze (for liquid-cooled bikes)

Why? Prevents the coolant from freezing in low temperatures, which could cause engine damage.

11. Inspect and Clean the Air Filter

Why? A clean air filter ensures optimal engine performance and prevents contaminants from entering the engine.

12. Check and Adjust Chain Tension (if applicable)

Why? Proper chain tension is critical for safe operation and to prevent undue wear on the sprockets and chain.

13. Apply a Protective Coating

Why?  A layer of protective lubricant on metal surfaces helps prevent rust and corrosion during storage. 

14. Block Exhaust and Air Intakes

Why? Prevents pests from entering and nesting in the exhaust system or air intakes, which can cause damage.

15. Remove the Battery (Optional)

Why? In extremely cold environments, removing the battery and storing it in a controlled environment can prolong its life.

16. Check Tire Condition

Why? Inspecting tires for wear or damage ensures they are safe and ready for use when you start riding again.


A dedicated rider with arm tattoos cleans and maintains his motorcycle.

We hope you have found these winter motorcycle storage tips helpful as you find yourself preparing your bike for the off-season. Properly winterizing your motorcycle, whether it’s a traditional or electric model, is an investment in its longevity and performance and one of the best ways to protect your bike for many rides to come. This guide ensures your bike stays in excellent condition throughout winter, ready for spring adventures.

Now, keep in mind, we’re lawyers, not mechanics! So, our not-so-legal advice if you’re not comfortable with DIY motorcycle winterization is to check with a mechanic if you have any specific questions about winterizing your bike. We’re great at legal advice, but when it comes to the nitty-gritty of motorcycle maintenance, a professional mechanic’s word is gold.

Got any winterizing tips we missed? Drop a comment and share your wisdom! We’d love to hear how you keep your ride in top shape during the off-season.

And remember, if you’re injured in an accident, The Biker Lawyers are here to help. Ride with us! Give us a call for a free personal injury consultation any time of year!

Handle Insurance Adjusters Like a Pro After a Motorcycle Accident

Handle Insurance Adjusters Like a Pro After a Motorcycle Accident

God, I love this time of year, don’t you? Look, we’re going to talk about how to deal with insurance adjusters after a crash in a second but let’s just take a moment to appreaciate how great it is to ride in Minnesota and Iowa in the fall.

Seriously, there’s nothing quite like the freedom of the open road, the wind in your face, the roar of your bike beneath you. The beauty of the changing colors of the trees as autumn sets in… there really isn’t anything like it.

Image of a motorcycle rushing down an open highway in the Autumn

 Unfortunately, not all roads are smooth.

When the unexpected happens, and you find yourself picking up the pieces after a motorcycle crash, all that freedom can feel like it’s been replaced with a mountain of stress and uncertainty. Suddenly, you’re thrust into a world of insurance claims, repair costs, and medical bills. 

watercolor splash representation of a motorcycle accident on a highway. The motorcycle is seen toppled and the fluid strokes and splashes of color spread away from the crash

And as if that’s not enough, you’re now faced with the daunting task of dealing with an insurance adjuster. Sure, they might seem friendly, but remember, their job is to save their company money, not to make your life easier.

It’s a tough situation, especially here in the Midwest where most of us were raised being “Iowa (or Minnesota) Nice.” It can feel like it goes against our nature to not be as helpful as possible, especially in stressful situations.

Yeah, it’s a tricky road, but with the right knowledge and guidance, you can navigate this challenging time and get back on the road where you belong (without accidentally screwing yourself over in the process).

So you’ve been in a crash?

Watercolor splash style paining depicting a motorcycle accident on a highway

It’s time for some straight-talking advice on how to handle insurance adjusters after a motorcycle accident.

Remember, no matter how friendly they may be, the insurance adjuster works for the insurance company, not for you. Their job is to settle your claim for as little as possible. 

6 Essential Tips for Dealing with Insurance Adjusters After a Motorcycle Accident

Watercolor splash image of a greedy insurance executive and a pile of money

1. Don’t Feel Pressured to Give a Statement

After an accident, you might get a call from the other party’s insurance adjuster. Remember, you’re not obliged to give a statement right away. You might still be rattled by the accident, and that’s not the best time to be giving details that could be used against you later. It’s okay to wait until you have a lawyer by your side.

2. Keep It Basic

If you do decide to talk to the insurance adjuster, stick to the basics. Be very accurate and “to the point” in answering questions. Answer their questions, but don’t offer any details beyond what they specifically ask you. Do not tell the adjuster the crash was your fault, even a percentage. Those details could be twisted and used against you when it comes to settling your claim.

3. Stick to the Facts

When you describe the accident, keep it factual. Don’t make assumptions or guesses. Do not make guesses about speed, distance, or time. Guesses of this nature are usually wrong, and can only hurt you.  The more detail you give, the more chance there is for the adjuster to twist your words. Answer their questions truthfully, but don’t embellish or go into more detail than necessary.

4. Don’t Admit Fault

After a crash, it’s easy to say things that might imply you were at fault, especially if you’re confused or finding it hard to express yourself. If that’s the case, it’s best to wait until you’re feeling better before talking to an insurance adjuster. And of course, don’t admit fault for an accident you didn’t cause.

5. Track Your Expenses

Keep a record of all your expenses related to the accident, like medical bills, bike repairs, and lost wages. Provide copies of these documents to the insurance adjuster when they ask for them. These bills will need to be paid, either by you or the person who caused the accident, so make sure they’re part of any settlement.

6. Don’t Sign Anything Without Legal Advice

Do not agree to any settlement or sign any documents or agreements without talking to a lawyer first. Insurance adjusters might try to get you to sign away your right to sue or accept a settlement offer that’s less than you deserve.

Now, let’s dive a bit deeper into the things you need to know.

Understanding Insurance Policies: Terms to Know

Watercolor Splash image of a greedy insurance adjuster sitting in piles of cash

Navigating the world of insurance policies can be tricky, especially when you’re dealing with the aftermath of a motorcycle accident. Insurance companies use lingo every day that the average driver may not fully understand. They can (and often do) use this to their advantage, so let’s level the playing field.

Here’s a quick rundown of some key terms you’re sure to hear and what they really mean:

  • Actual Cash Value (ACV): This is the value of your property, based on the current cost to replace it minus depreciation. In the case of a total loss, the insurance company might pay out the ACV of your motorcycle.
  • Adjuster: An insurance adjuster is a representative of the insurance company who investigates and evaluates insurance claims to determine the extent of the insurance company’s liability.
  • Claim: A request made by the insured to the insurance company to cover an incurred loss. In the context of a motorcycle accident, this could be for damages to the motorcycle, medical expenses, or other costs related to the accident.
  • Coverage: The extent of protection provided by an insurance policy. Coverage can vary greatly from one policy to another, and it’s important to understand exactly what your policy covers.
  • Coverage Limits: This is the maximum amount your insurance company will pay for a covered loss.
  • Deductible: This is the amount you’ll need to pay out of pocket before your insurance coverage kicks in.
  • Exclusion: Certain conditions or circumstances for which the insurance company will not provide coverage. Exclusions are detailed in the insurance policy, and it’s important to be aware of them.
  • Liability: This refers to the legal responsibility for one’s actions or omissions. In an insurance context, liability insurance covers the policyholder’s legal liability in the event of damage or injury to another party.
  • Policyholder: The individual or entity who owns the insurance policy. This is the person who holds the contract with the insurance company and pays the premiums.
  • Premium: The amount of money that an individual or business pays for an insurance policy.
  • Replacement Cost: Unlike ACV, replacement cost coverage will pay the cost to repair or replace the damaged property with materials of similar kind and quality, without any deduction for depreciation.
  • Subrogation: This is a term often used in the insurance industry to refer to the right of the insurance company to recover the amount it has paid for a loss from the party that caused the loss.
  • Umbrella Coverage: This is a type of insurance coverage that goes beyond the limits of regular insurance policies, such as homeowners or auto insurance. It provides an additional layer of security to those who are at risk for being sued for damages to other people’s property or injuries caused to others in an accident. It also protects against libel, vandalism, slander, and invasion of privacy.
  • Underinsured/Uninsured Motorist Coverage: This type of insurance coverage protects you if you’re involved in an accident with a motorist who does not have sufficient insurance coverage or no insurance at all.

Understanding these terms can help you know what to expect when dealing with insurance companies after an accident.

Documenting the Accident: A Step-by-Step Guide

A step-by-step infographic with information on maximizing a personal injury claim after an accident.

Proper documentation can make a world of difference when it comes to filing an insurance claim. Here’s what you need to do:

Step 1: Call the Police

Image of police at an accident scene with text: "Step 1 Call the cops"

The police are a vital part of the process as they gather information and help generate a timeline of events. Also, as soon as you can, write down everything you remember about the accident. This can be crucial evidence if there’s a dispute about what happened.

Step 2: Take Photos 

Image of a man taking pictures with his phone at the scene of an accident with text: "Step 2 take pics"

Capture images (or video) of the accident scene, your motorcycle, and any injuries you sustained.

Step 3: Gather Information and Medical Records

An infographic showing the sources of medical records

Collect the other party’s contact and insurance information, and note down the details of the accident while they’re still fresh in your mind. Then in the following days, weeks, and months, keep track of (document) every doctor’s visit, physical therapy appointment, testing, or other medically related activity.

The Importance of Immediate Medical Attention

image of a motorcyclist rubbing his neck showing the strain of rider fatigue

Photo Credits – Physio Inq Sutherland

Even if you feel fine after an accident, it’s crucial to seek medical attention immediately. Not only is this important for your health, but it also establishes a record of your injuries, which can be vital when you’re filing an insurance claim or a personal injury lawsuit.

Why You Should Consider Hiring a Lawyer

A watercolor splash painting of a motorcycle crash with mostly grayscale capturing the somber mood, but red around the motorcycle crash site indicating the physical and mental toll of the crash

Dealing with insurance adjusters can be daunting, especially when you’re recovering from an accident. A lawyer can negotiate on your behalf, ensuring that you’re treated fairly and that you get the compensation you deserve. They can handle the paperwork, deal with the insurance companies, and let you focus on your recovery.

What’s next?

If you’re unsure about how to handle the insurance adjuster or feel you’re not being treated fairly, consider hiring an attorney. An attorney can negotiate on your behalf and help you get the compensation you deserve. 

Don’t navigate this process alone. If you’re dealing with an insurance claim after a motorcycle accident, contact The Biker Lawyers for a free, no-obligation case evaluation. We’re here to help you ride through this tough time. Call today or click here to get started.

Watercolor splash painting of a motorcycle on a highway with the biker lawyers logo and text.

Ride safe, and remember, we’re here for you.

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