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.

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