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.

Injured? Ride with Us.

How to Avoid Crashing a Motorcycle

How to Avoid Crashing a Motorcycle

Top 10 Rules of the Road: Avoiding Motorcycle Crashes Like a Pro

On two wheels, safety isn’t just important, it’s everything. For that very reason, we’ve crafted a list of the top 10 lifesaving rules to keep you upright on your ride. These aren’t rocket science but following them religiously can significantly trim down the chances of a nasty surprise. This is how to avoid crashing a motorcycle.

Here’s a quick rundown of the tips. Once you check it out, keep scrolling for a bit more about our logic for each.

1. The Cardinal Rule: Always Be on Alert

Image from the perspective of a motorcyclist demonstrating alert perceptions while riding

Think every driver out there is out to get you. Assume that they’re going to make a wrong move that could put you in harm’s way. That guy cruising towards the intersection? Expect a sudden left turn. That woman at the crossroads? Be ready for her to bolt just as you get there. Speaking of Intersections…

Image of motorcyclists demonstrating how to safely cross an intersection

2. Beware the Intersection

Intersections are like the Wild West of roads. They’re unpredictable. Even if you don’t see any cars, slow down. Remember, preparedness is key, and it’s easier to respond to surprises when you’re not blazing through like a comet.

Image of a frightened driver with a focus on his eyes.

3. Don’t Trust the Eyes

It might look like a driver has locked eyes with you, but here’s the truth: they’re often looking right past you. You’re on two wheels, they’re scanning for four. You’re practically invisible to them.

Image of a car turning in an intersection.

4. Trust the Wheels

The wheels, though, they don’t lie. A driver’s eyes might deceive you, but the wheels give it away. If they twitch, you twitch and prepare for them to burst into your path.

Image of a motorcyclist surrounded by cars with the potential to turn into a "lethal-Left" situation

5. Prepare for the Lethal Left

Always assume the oncoming car is going to make a sudden left turn right in front of you. Ease off the gas, hover over the brakes, and be ready for some fast action.

Image of a motorcycle that has crashed.

6. Find a Shield

Whenever possible, go through intersections with another vehicle beside you. It’s not foolproof, but if someone’s gonna run a red light, better they hit your metal buddy than you.

Close-up image of tire tread

7. Check Your Ride

Give your tires a once-over before you roll out. Badly inflated tires can cause serious trouble at high speed, and you don’t want a blowout on the open road.

Image of several bikers riding motorcycles- each controlling the space around them

8. Control Your Space

If someone’s tailgating you, wave them back. If they don’t take the hint, pull over and let them speed away. They’re a hazard you don’t need.

Image of a person on a motorcycle at an intersection looking at the camera as if it were another motorist

9. Create Your Buffer

If a car passes you and pulls in too close, ease back and re-establish your safety zone. You need space to react if something suddenly appears in your path.

Image of Pete Leehey and Dan Matzdorff demonstrating proper distancing while riding a motorcycle

10. Keep Your Distance

Don’t tailgate. Keep a solid three-second safety buffer between you and the traffic ahead. You want space to react, not a windshield for a face mask.

Wrap Up

These are the rules of the road, the biker’s bible for staying safe out there. But hey, we’re all human, and stuff happens. If you ever find yourself in a scrape, get medical help pronto, and once that’s taken care of, reach out to pro motorcycle accident attorneys like Pete Leehey and Dan Matzdorff. They’ve been there, done that, and can guide you on what to do next.Call to action Image- A motorcycle riding down a highway with text encouraging the viewer to call The Biker Lawyers for a free consultation

What are Water Pooling & Road Defects?

What are Water Pooling & Road Defects?

What are Water Pooling & Road Defects?

Posted on June 16, 2020 at 3:19 PM by The Biker Lawyers

Though pools of water on the roadway pose little threat to the drivers of larger automobiles, they can cause motorcyclists to lose control. If the water is deep enough, for instance, the rotation of one of the motorcycle wheels may slow, causing a dangerous imbalance between the two wheels.

However, even water that is shallow may cause the motorcyclist’s tires to lose traction and skid into an accident. In any case, the entities responsible for maintaining the safety of roadways are also responsible for preventing these conditions from ever existing.

Allowing Water to Pool on the Road

Under normal circumstances, water should never be allowed to pool on the roadway. When the following conditions are allowed to exist, however, motorcyclists are at an elevated risk of sustaining serious injuries in the event of an accident:

  • Large potholes that collect water
  • Poorly engineered roadways that create low-lying areas susceptible to flooding
  • Inadequate preparation for inclement weather

Our legal team  will do everything they possibly can to help you recover the damages you sustained in your accident.

Consult with Biker Lawyers Pete or Dan

If you were involved in an accident after hitting water that was pooled on the roadway, you should consult with a road defect attorney with The Biker Lawyers to begin developing a legal strategy intended to help you recover the damages associated with your injuries. To discuss the particulars of your accident with one of our personal injury lawyers, please call our offices at (877) 209-9452 today.

 

Water pooling injury got you drowning in medical bills? Contact us now.

 

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