2024 Guide to Understanding Car Insurance Coverage

2024 Guide to Understanding Car Insurance Coverage

Choosing the Right Car Insurance in 2024: What Every Driver Needs to Know

Introduction: The Insurance Puzzle

Image of white puzzle pieces with the word Insurance circled in a magnifying glass

Are you thinking about buying a motorcycle or auto insurance or questioning the adequacy of your current policy? 

Navigating the maze of insurance options can be as confusing as deciding on a menu when you’re already full. Unlike appetizers, however, the type of coverage you choose can significantly impact your financial security and peace of mind. The good news is we’ve got your back. If you’re looking for clarity, you’ve come to the right place. Let’s break down the essentials of vehicle insurance coverage to ensure you’re fully prepared and protected.

Expert Insights on Insurance Needs

Our team at The Biker Lawyers has over four decades of personal injury experience. Our daily encounters with insurance companies have equipped us with unique insights into the types of insurance that best serve our clients’ needs.

Navigating Liability Coverage

Image of paper on a clipboard with the words liability insurance printed in black ink

Liability coverage is typically the first you’ll encounter while shopping for insurance. It’s essential for covering injuries you might cause to others in an accident when you’re at fault. It’s crucial to note that liability coverage doesn’t protect you if you’re hit by another driver; it’s about protecting your finances from claims made by others. 

In Iowa, for instance, the law mandates carrying at least $20,000/$40,000 in liability coverage. This means up to $20,000 for an individual and a total of $40,000 per accident.

The Importance of UM/UIM Coverage

Image of two toy cars in front of a gavel with the word Uninsured written in red and white text and an arrow pointing to one of the cars.

Uninsured and Underinsured Motorist (UM/UIM) coverage becomes critical when an at-fault driver lacks sufficient insurance to cover your damages. 

For example, imagine a teenager runs a red light and crashes into you, resulting in significant damages and losses that their minimum liability coverage can’t fully compensate for. Here, a UM/UIM policy with high limits ($250,000 per person, $500,000 per crash) could cover the shortfall, ensuring you’re not left financially vulnerable.

Exploring Additional Coverage Options

Torn paper revealing a message about the importance of understanding insurance coverage

Beyond liability and UM/UIM, several other coverage options can tailor your insurance to your needs. These include…

Medical Payments Coverage

Image to promote the importance of medical payments coverage

  • Covers medical costs for you and your passengers, irrespective of fault. This can be particularly valuable if you frequently have passengers who might not have their own health insurance.

Comprehensive and Collision

Image for comprehensive and collision coverage

  • These are often required if you’re leasing or financing a vehicle. Comprehensive covers events like theft, vandalism, and natural disasters, while Collision covers damages from accidents.

Property Damage

Image of a mailbox with text "Property Damage"

  • Ensures you can cover costs if you damage someone else’s property in an accident.

Emergency Road Service and Rental Reimbursement

Image illustrating a woman in need of emergency road service

    • These can offer peace of mind for unexpected situations, like needing a tow or a rental car after an accident.

GAP Insurance

A man pulling money out of his wallet for GAP insurance coverage

    • Essential if you owe more on your car loan than its current market value, particularly in the event of total loss or theft.

Choosing the Right Coverage for You

Image of glasses above an insurance policy page

Choosing the right insurance coverage isn’t just about complying with legal requirements; it’s about ensuring a safety net that matches your lifestyle and risk profile. 

We recommend carrying substantial liability and UM/UIM coverage—at least $250,000/$500,000. This level of coverage helps protect against severe financial distress should the worst happen.

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The Highest Level of Protection

The $250,000/$500,000 limits we recommend will cover the losses from most crashes. There are some crashes, however, where even these limits aren’t enough. This is where umbrella insurance comes in.

Umbrella Insurance

Umbrella insurance only kicks in if your losses are greater than the $250,000/$500,000 policy limits. Umbrella insurance is very inexpensive, and is an additional level of protection that will protect you if you’re involved in a terrible crash. It is crucial in buying umbrella insurance that you very specifically tell you agent that you want your umbrella policy to include uninsured and underinsured coverage. This way, if the driver that injures you is uninsured or doesn’t have enough insurance, you are able to recover your losses fully, or at least to a much greater extent.

It sounds like a lot of coverage, but if you get umbrella insurance, we recommend that it be for at least $1 million. In pricing this insurance, you’ll find that it is surprisingly cheap, and that you can afford an umbrella policy of $2M or even $5M.


Conclusion: Safeguarding Your Journey

Every driver’s needs are unique, but adequate insurance coverage is universally crucial. By understanding and choosing the right types of coverage, you ensure that whether an accident is your fault or another’s, you’re prepared. 

Remember, the right insurance isn’t an expense; it’s an investment in your safety and financial well-being. And if you ever find yourself in an unfortunate accident, know that we at the Biker Lawyers are here to help you navigate the aftermath.

Top 4 Myths that Ruin an Iowa Car Accident Case

Top 4 Myths that Ruin an Iowa Car Accident Case

4 Misunderstandings About Iowa Car Accident Claims: What Every Driver Needs to Know

Introduction

Today’s topic: Debunking Iowa Accident Myths. Today we’ll be shedding light on common misconceptions with real stories and advice for drivers and riders alike.

Myths covered in this article

  1. Direct Negotiations with Insurance Adjusters Are Mandatory
  2. The Insurance Adjuster is Your Ally
  3. Piecemeal Settlements (Some Now, Some Later) Are an Option
  4. Hiring a Lawyer is Too Expensive

Every rider and driver in Iowa carries a mental toolkit for handling the unexpected twists and turns of the road. But what if part of that toolkit is flawed? What if the facts that fill the toolkit – the very facts that drivers rely on to make decisions – is filled with myths? 

Misconceptions about accident cases can be as harmful as a loose chain on a motorcycle. They can lead to decisions that compromise your legal and financial future. 

In this essential guide, we dismantle the top four myths about Iowa motorcycle accidents with the precision of a skilled mechanic, replacing them with the solid, reliable tools of real stories and expert advice.


Myth #1: Direct Negotiations with Insurance Adjusters Are Mandatory – You Don’t Need an Iowa Car Accident Lawyer

Two motorcyclists on The Dragon's Tail road

Have you ever ridden The Dragon’s Tail? It’s a beast, but more on that in a second.

We’ve got this buddy. We’ll call him Jack. Jack’s a seasoned rider. He’s put in the miles and has no problem telling you all about how he’s been on more than a few cross-country rides- both solo and in a group. 

Jack decided it was finally time to ride the Dragon’s Tail. For those unfamiliar, it’s an 11-mile stretch of road on US 129. For Riders, it’s a notorious stretch of road known for its sharp turns and steep inclines. 

Sure it’s beautiful, but make no mistake, the attraction is the ride itself, not the scenery. Medical help is no less than thirty to forty-five minutes away and it’s at least an hour from the nearest emergency room. With bears, turkeys, deer, and more than a few trucks (that shouldn’t be there), this ride is not for the inattentive or faint of heart. 

Despite his experience and determination to tame the Dragon’s Tale, Jack was – understandably – a bit apprehensive the night before taking the ride. That’s when he met Alex. 

The Power of Experience

Alex is nothing short of a local riding legend familiar with every twist and turn of the Dragon’s Tail. Some have said he knows his way around the curves of the Dragon’s Tail better than the curves of his wife.

Alex is a biker’s biker. The guy is always willing to stop and help if a rider is broken down on the side of the road or, in Jack’s case, offer to guide him through the challenging road. 

As they embarked on the ride, Alex led the way, signaling upcoming hazards and advising on the best lines to take through the tight curves. With each mile, Jack’s confidence grew, buoyed by Alex’s expertise and support.

The journey that started with trepidation ended with Jack conquering the Dragon’s Tail, a feat he once thought was beyond his reach. 

So, what does that have to do with negotiations with insurance adjusters after an accident? This ride underscored the invaluable benefit of having an expert by your side when facing challenging paths, whether on the road or in life. 

Many people believe that when you are involved in a crash, you have no choice but to talk to and try to negotiate with an insurance adjuster.

Reality check: Just like Jack navigating the Dragon’s Tail, you’d be a fool to go at it alone if you had an expert rider offering guidance. Similarly, dealing with insurance adjusters can be navigated more safely with a legal expert by your side.

You’re entitled to appoint an Iowa car accident attorney to engage and negotiate with insurers on your behalf, ensuring your ride to fair compensation is as smooth as possible.

Injured? Ride with us.


Myth #2: The Insurance Adjuster is Your Ally

Image of a woman with an injured knee after a motorcycle accident

To address this myth, it’s time for a new tale, kind of like Jack’s adventure on the Dragon’s Tail, but with a twist that veers into the realm of legal battles rather than asphalt ones.

This is the story of Sarah. Sarah is an inexperienced rider with only a few years of open road under her belt. Her journey took an unexpected detour after a minor scrape with a sedan in downtown Des Moines. This was her first real collision on a motorcycle, Sarah was freaked out… until the phone rang later that night.

The insurance adjuster, with a voice as smooth as a freshly paved road, assured Sarah that they were there to help her navigate through the aftermath of her accident as quickly and smoothly as possible. Sarah felt a wave of relief. Here was her guide, ready to lead her through the insurance claim’s twists and turns. Or so she thought.

As the process unfolded, Sarah realized that her supposed ally was steering her towards a settlement that barely covered her bike’s repairs, not to mention her medical bills.

You don’t know what you don’t know

It was only when she recounted her tale at a local riders’ hangout that she met Pete Leehey, a veteran biker turned personal injury attorney. Pete, with his intricate knowledge of both the roads and the legal landscape of Iowa, pointed out the hidden pitfalls in the insurance adjuster’s route.

Image of Pete Leehey at a biker bar talking to an injured biker

Under Pete’s guidance, Sarah embarked on a new journey. This time, she was not alone on a treacherous path. With an expert navigator by her side, she managed to secure a settlement that truly reflected her damages and losses.

The road to recovery was long, but with the right support, she reached a destination that once seemed as distant as the end of the Dragon’s Tail.

Reality check: Just like Sarah’s initial trust in the insurance adjuster, many riders believe that these professionals are on their side. However, the truth is that insurance adjusters, much like challenging turns on a notorious road, have their own agenda. They serve the insurance company’s interests, aiming to settle claims for as little as possible. 

This story, like Jack’s, underscores the critical importance of having an expert — in this case, a seasoned Iowa accident lawyer — to guide you through the negotiations, ensuring your rights and recovery are fully protected.

Injured? Ride with us.


Myth #3: Piecemeal Settlements (Some Now, Some Later) Are an Option After an Accident

Scene of a car accident with a deer, motorcycle, and several cars

In the heart of Iowa lives a biker named Lucas. He’s known as an adventurous spirit with a knack for storytelling that could captivate any listener. One crisp autumn day, Lucas decided to take on the winding roads that snake through the Loess Hills, a ride that promised both beauty and challenge in equal measure.

Lucas’s journey was cut short when a sudden deer crossing caused him to swerve, leading to a minor accident with a nearby car. Both parties seemed to be physically unharmed, but Lucas’s beloved motorcycle suffered damage, as did the car. In the moments that followed, amidst the exchange of apologies and insurance details, Lucas found himself facing a decision that seemed as complex as the road he had planned to conquer.

In the weeks that followed, Lucas got a call from the other guy’s insurance adjuster with an offer. Eager to get back on the road and confident in his understanding of insurance claims, Lucas initially considered accepting a quick settlement offer for the immediate damages to his bike. The idea of settling some aspects of the claim now and potentially addressing others later seemed like a way to expedite his return to the open road. He knew he should at least sleep on it, so he told them he’d think about it.

Always consider your options

Lucas’s story took a turn when he was sharing his experience while stopping by Loess Hills Country Corner. If you’ve ever stopped in, you know that the Country Corner is a place where tales of the road were as common as coffee refills. It was here that Lucas met Dan Matzdorff, a seasoned attorney with a love for motorcycles and a deep understanding of the twists and turns of personal injury law.

Image of Dan Matzdorff talking with a biker at a diner

Dan, intrigued by Lucas’s tale, offered a tip that would change his course. He likened Lucas’s quick settlement consideration to taking a sharp turn without fully understanding the road ahead. Just as a biker must anticipate every potential obstacle on their path, Lucas needed to consider the full scope of the impact of the crash, including future repairs, medical expenses, and any unseen complications.

Dan explained how accepting a quick settlement was akin to navigating a blind curve at full speed. The initial offer might cover the immediate damages, but it would leave him unprotected against future costs and complications that could arise. Through Dan’s stories of past clients who had navigated similar roads, Lucas saw the value in a comprehensive approach that considered the entire journey, not just the first few miles.

Inspired by Dan’s wisdom, Lucas decided to pursue a complete settlement that accounted for all potential damages, guided by Dan’s expertise. This decision marked the beginning of a new journey, one that promised a more secure and informed path to recovery.

Reality check: Lucas’s initial inclination to settle part of his claim immediately, with the hope of addressing the rest later, is a common misconception among crash victims. However, once a settlement is reached, additional claims for the same accident are typically not an option. Lucas’s story illustrates the importance of seeking expert legal advice to ensure a settlement fully covers all potential damages, safeguarding the rider’s future just as a helmet protects the head.

With the right guidance, navigating the legal aftermath of a collision can lead to a resolution that truly compensates for the entire journey’s impact, ensuring the road ahead is as clear and smooth as the one behind.

Injured? Ride with us.


Myth #4: Hiring a Lawyer is Too Expensive After an Iowa Car Accident

Image of a woman on the side of the road after a motorcycle crash

In the sprawling landscapes of Iowa, where the horizon stretches endlessly and the roads beckon with promise, there lived a biker named Emma. Her spirit was as free as the wind that rushed past her on her rides, and the blood in her veins pumped in sync with the oil of her motorcycle’s engine. Emma’s passion for the road was matched only by her belief in the camaraderie among those who shared her love for biking.

One evening while riding on a highway just outside of Cedar Rapids, Emma’s life took an unexpected turn. A distracted driver veered into her lane, throwing Emma off her bike and into a ditch on the side of the road.

In the weeks that followed, Emma was struggling. She was hurting from her injuries, couldn’t sleep, her bike was a mess, and she was staring down a pile of bills: for her bike’s repairs, her medical treatment, and more. 

She wished she could call a lawyer. The thought of hiring a lawyer to help navigate the aftermath felt like a pipe dream. “Lawyers are too expensive,” she thought, echoing a myth she’d heard time and again.

Emma decided to meet some friends for lunch at The Chrome Horse Saloon. As she vented about her troubles, the owner pointed to a table where three men in biker cuts sat.

“Sounds like you need a lawyer. Go talk to Pete, he’ll have your back.” 

Image of The Biker Lawyers enjoying lunch at The Chrome Horse Saloon in Cedar Rapids Iowa

Emma introduced herself and began to explain her situation. Pete seemed to understand her situation immediately. He shared stories of the road, of bikers who had navigated the legal twists and turns following accidents, much like Emma’s. He spoke of victories won not just in courtrooms but in the lives of riders who found their way back to the open road, their rights and dignity intact. Emma soon realized that this guy was the real deal – a rider’s lawyer and a staunch advocate for the rights of those on two wheels, and offered Emma a beacon of hope.

Pete listened to Emma’s story, nodding along as she shared her concerns about costs. “I’m sure you’re great at what you do, Pete,” Emma said, “but honestly, I was struggling to make ends meet before the crash. Lawyers are expensive and if you’re half as good as you seem to be, there’s no way I can afford to hire you.”

The truth about hiring a lawyer

That’s when he broke down the myth for her, explaining that not all lawyers charge by the hour or demand a hefty retainer upfront. “In fact,” Pete said, “at The Biker Lawyers, we operate on a contingency fee basis. That means you don’t pay us anything unless we win your case. Our fee? It’s a percentage of the settlement or award we get for you. No win, no fee. It’s that simple.”

Emma’s eyes widened as she fought back tears with realization. Not only could she afford to work with Pete, but she couldn’t afford not to! Pete’s approach to fees with the cases he took on were specifically designed to protect riders like her, ensuring they could seek justice without the fear of upfront costs.

Reality Check: The myth that hiring a lawyer is too expensive prevents many from seeking the help they need. But as Emma learned from Pete Leehey, The Biker Lawyers break down that barrier with their contingency fee approach. This means bikers can get expert legal representation without any upfront cost. The fee is only collected as a percentage of the settlement or award received, making legal support accessible to all riders, regardless of their financial situation.

The contingency fee approach ensures that every biker has the opportunity to fight for their rights and secure the compensation they deserve, with a legal team that rides the same roads and faces the same challenges they do.

Injured? Ride with us.


Conclusion

After cruising through the twists and turns of common myths, we hope the road ahead looks clearer. Just like navigating a challenging route requires the right gear and know-how, tackling the aftermath of an accident demands the right support – legal support that understands the biker’s journey.

At The Biker Lawyers, we don’t just share the road with you; we stand with you in the fight for your rights. Our approach, just like Pete Leehey’s guidance to Emma, is built around the belief that quality legal representation should be accessible to all riders. Operating on a contingency fee basis means our team is your team from the moment you decide to take us on your journey, with no upfront costs. 

We ride together, and we fight together, ensuring you’re not left navigating the aftermath of an accident alone. Injured? Ride with us.

Injured in an Iowa Car Accident and need help?

Click the “Call the Injury Helpline” button on this page to get started, or fill out the form below and we’ll be in touch to ride with you on your road to recovery.

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Tips for Dealing with Winter Storm Road Conditions in Iowa

Tips for Dealing with Winter Storm Road Conditions in Iowa

Introduction: Dealing with Winter Storm Road Conditions

You know dealing with winter storm road conditions is no joke. It’s Monday Night. You saw the weather report. Snow has started to fall. The weather prediction center was saying there’d be a winter storm but you thought to yourself, “How bad could the winter weather get? I’m used to crappy road conditions! I’m taking 80 they always plow 80, I’ll be fine.” You jump in your truck and head for the highway. Before you know it, you find yourself driving through a full-on blizzard on Interstate 80 and you’ve witnessed half a dozen winter storm road emergencies as drivers find themselves in the ditch.

You grip the wheel tighter, leaning forward to see through the sheet of snow ahead. The headlights of your truck hit the falling snow reducing visibility even further, but you push on. Suddenly, the bright red brake lights of the car in front of you force you to instinctively slam your brakes. Your ABS kicks in but it’s too late as you throw your steering wheel to the right and find yourself slamming into a snow bank in the ditch.

Article Roadmap No Stranger to Winter Storm Road Conditions 3 Essential Safety Tips for Winter Driving in Iowa What to Do If You’re Stuck in a Ditch During a Snowstorm 3 Legal Tips to Remember for Multi-Car Pile-Ups Injured? Here’s What to Do Conclusion

No Stranger to Winter Storm Road Conditions

As a seasoned biker and personal injury attorney, I’ve seen firsthand how treacherous Midwest winters can be, especially for motorists in Iowa. According to the Iowa State Patrol, there have already been 3 traffic-related deaths in Iowa, and we’re only a week and a half in.

The recent snowstorm of January 9, 2024, causing multiple pile-ups and treacherous driving conditions serves as a stark reminder of winter’s unpredictability.  With another predicted snowstorm event right around the corner, its obvious that Mother Nature is an untamable beast. Some are even suggesting the next polar vortex could disrupt the Iowa Caucus.

Winter storm road emergencies are ultimately avoidable if you take the right precautions and are vigilant while navigating the roads. This article offers essential safety and legal tips for drivers facing winter road emergencies.

3 Essential Safety Tips for Winter Driving in Iowa

A-snowy-road-with-visible-car-tracks-emphasizing-safety-and-caution-during-winter-conditions.-The-scene-captures-a-typical-winter-road-in-Iowa

  1. Stay Prepared: Before setting out, ensure your vehicle is winter-ready with adequate tire tread, antifreeze levels, and a winter emergency kit including blankets, food, water, and a flashlight. Also, check the road conditions on sites like 511ia.org to make sure you’re up-to-date with what to expect.
  2. Drive Cautiously: Reduce speed significantly and maintain a safe distance from other vehicles. Remember, it’s harder to control or stop your vehicle on icy or snow-covered roads, and your Anti-lock-break system (ABS) can be tricky when it kicks in unexpectedly.
  3. Visibility is Key: Keep your lights on and windshield clear. Make sure you’ve fully scraped off your windshield and headlights before hitting the road. If visibility is severely compromised, find a safe place to pull over.

What to Do If You’re Stuck in a Ditch During a Snowstorm 

Image of a car that has driven off the road during a severe snowstorm in Iowa

  • Stay Calm and Stay Put: If you end up in a ditch, remain in your car unless it’s unsafe. Keep your seatbelt on and turn on your hazard lights.
  • Assess the Situation: Take a moment to make sure that you and your passengers are okay and no one is seriously hurt.
  • Call for Help: Use your phone to call for roadside assistance or emergency services.
  • Conserve Energy: Run your engine and heater sparingly to conserve fuel. I know I recommended staying in your car, but if you expect to be stuck for a while, safely exit the vehicle to ensure the exhaust pipe is clear of snow to prevent carbon monoxide poisoning.

Download a Free Winter Road Emergency Guide

3 Legal Tips to Remember for Multi-Car Pile-Ups

Drivers exchange insurance and contact information after a multi-car accident due to a snowstorm on I-80 in Iowa

  1. Detailed Documentation:
    • Take Photos: Capture different angles of the accident scene, including vehicle positions, road conditions, and any visible injuries.
    • Note Details: Write down the time, location, weather conditions, and any relevant road signs or signals.
    • Witness Information: If there are any witnesses, politely ask for their contact information.
  2. Exchanging Information Effectively:
    • Essential Details: Exchange names, contact information, insurance details, and vehicle registration numbers.
    • Stay Neutral: No matter how stressful the situation, try to remain calm. Politely exchange information without discussing fault or liability.
  3. Seeking Medical and Legal Attention:
    • Immediate Medical Check: Visit a healthcare professional, even for minor discomforts, as some injuries manifest later.
    • Consult an Attorney: Contact a personal injury attorney, especially if there are injuries or significant vehicle damage. They can guide you through insurance claims and potential legal proceedings.

Free Injury Consultation

Remember, these tips aim to help you navigate the aftermath of a multi-car pile-up more effectively and protect your legal rights, even if you’re not dealing with winter storm road conditions.

Injured? Here’s What to Do

A-highway-scene-during-a-snowstorm-showing-tire-tracks-leading-into-a-snow-bank-in-the-ditch-next-to-the-road after dealing with winter storm road conditions If you’re injured, it’s essential to consult with a personal injury attorney who understands the specific challenges of winter driving accidents. Understand Your Rights: An experienced personal injury lawyer can guide you through the process of claiming compensation for medical bills, lost wages, and other damages.

Conclusion

Winter driving in Iowa can be challenging, but being prepared and knowing the right steps to take can make all the difference. Remember, safety is paramount, and legal preparedness is your right. If you’ve been injured in a crash and need legal help, don’t hesitate to fill out the form below or call our free personal injury helpline at (319) 294-4424. At The Biker Lawyers, we’re here to help you ride through the legal storm.

Request a FREE Personal Injury Consultation

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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.

Insurance Nightmares: a True Story of Crash Recovery

Insurance Nightmares: a True Story of Crash Recovery

Jo Goos’ Emotional Journey After a Crash

Who ya gonna call when you need backup? For Jo Goos, the answer was clear: The Biker Lawyers. In a heartfelt recount of her accident and the subsequent insurance nightmare, Jo sheds light on the physical and psychological impacts of a crash and the importance of having the right legal team by your side.

The Unfortunate Day in Cedar Rapids

On an icy day in Cedar Rapids, Iowa, Jo Goos faced every driver’s worst fear: a car crash. “It was two and a half years ago… an oncoming truck pulled out in front of me,” Jo recalls. This wasn’t just about a bad driver; it was a life-changing event that would lead Jo down a path of recovery, both physically and emotionally.

Physical and Psychological Impacts of a Crash

Post-accident, Jo’s life took a turn. She needed chiropractic care and physical therapy, emphasizing, “More changes at about a 40 mph impact than you would think.” But beyond the physical pain, the emotional scars ran deep. The accident left her nervous, altering her driving habits and instilling a fear of car accidents and what can happen with the unpredictability of other drivers on the road.

The Insurance Nightmare: A Battle with Bad Drivers and Their Companies

Image of a pile of money on a table in front of a greedy insurance agent with a nametag that reads "Big Insurance"

To be clear, Big Insurance only cares about one thing: keeping their money.

Dealing with insurance companies after an accident can be a harrowing experience.

Jo’s journey was no different. “I went through a good year of trying to get things solved with his insurance company… nobody was responding,” she shares. She struggled with getting the company to make any progress, with representatives breaking promises, and failing to return her calls.

An insurance agent prepares to hang up the phone on a client.

This insurance nightmare is a common tale many can relate to, emphasizing the importance of knowing who to call when you need help getting results.

When Bikers Fight Back: The Biker Lawyers to the Rescue

Image of the Founder of The Biker Lawyers, Pete Leehey

Enter Pete Leehey and his team at The Biker Lawyers. Known as Iowa’s best motorcycle lawyers, they were Jo’s beacon of hope.

“I called Pete and I just asked him to get involved,” Jo says. Their expertise as motorcycle accident lawyers proved invaluable, guiding Jo through the legal maze and ensuring she received a fair settlement.

Pete Leehey’s Take on Insurance Companies

Pete Leehey, a prominent figure in the Midwest biking community and Founder of The Biker Lawyers, sheds light on the challenges of dealing with insurance companies. “Some insurance companies will respond and do so in a reasonable fashion even if you haven’t filed a lawsuit yet,” Pete says. “But ultimately, you get insurance companies’ attention by suing them.” His words underscore the lengths to which victims sometimes have to go to ensure justice and fair compensation.

A Word of Advice from Jo

For those facing similar challenges, Jo has a clear message: “I would start with biker lawyers immediately and not even have the headache and run around of trying to settle it yourself.” Whether it’s a personal injury or dealing with the aftermath of a car crash, having the right lawyer can make all the difference.

Watch Jo Goos’ Full Interview: Her Story, Firsthand

In Conclusion

Accidents are unpredictable, and their aftermath can be a daunting journey. But with the right support, like that from Pete Leehey and The Biker Lawyers, victims can find their path to recovery and justice. Remember, when in a crash and facing an insurance nightmare, knowing who to call for backup is always a winning strategy.

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