If you’ve been injured in a motorcycle crash, dealing with insurance claims can feel overwhelming. From medical bills to repair estimates, insurance issues often add stress to an already difficult situation. Knowing how to handle your claim correctly is essential for protecting your rights and maximizing compensation.
At our personal injury firm, we understand the unique challenges motorcycle accident victims face. Our Rockville, MD motorcycle accident lawyer works with injured riders every day to make sure they’re not taken advantage of by insurers. With over 20 years of experience in personal injury law, we have the knowledge, skills, and commitment to help you get what you’re owed.
Report The Accident Promptly
As soon as you are physically able, report the crash to your insurance company. Delays can lead to complications or denial of your claim. Even if the accident was clearly not your fault, your policy likely requires prompt notification. Be factual when reporting and avoid speculating or accepting blame. If you were injured, let them know and indicate whether you’ve sought or plan to seek medical care.
Keep in mind, your motorcycle insurance may include several types of coverage: liability, collision, uninsured/underinsured motorist (UM/UIM), and medical payments. Each of these can apply in different ways depending on the accident’s circumstances.
Understand What Coverage Applies
Motorcycle insurance policies are not all created equal. Unlike auto insurance, many motorcycle policies in Maryland do not automatically include personal injury protection (PIP). Instead, coverage for your medical bills may come from:
- Medical payments (MedPay) coverage
- Health insurance
- The at-fault driver’s liability coverage
- UM/UIM benefits if the other driver lacks coverage
Riders should review their policy carefully and consult with our personal injury attorney to fully understand where their compensation can come from.
Be Cautious With Insurance Adjusters
Once your claim is open, expect contact from insurance adjusters, especially the other driver’s provider. While adjusters may sound helpful, their job is to minimize payouts. Don’t provide a recorded statement without consulting our lawyer. Avoid discussing fault or injuries, and never accept a settlement offer without legal review.
Insurance companies may also request medical records or claim releases. Always consult our attorney before signing anything. Signing too soon could forfeit your right to pursue full compensation later, especially if your injuries turn out to be more serious than initially thought.
Track All Damages And Medical Care
Unfortunately, many motorcycle claims are undervalued by insurance adjusters. To recover fair compensation, you must document your losses thoroughly. This includes:
- Emergency room visits and follow-ups
- Physical therapy or specialist care
- Lost income if you missed work
- Out-of-pocket expenses like prescriptions or travel for care
Keep a journal of your symptoms, pain levels, and how your injuries affect your daily life. These notes can strengthen your claim for non-economic damages like pain and suffering.
Know When To Involve A Lawyer
If your injuries are serious, or the insurance company delays or denies your claim, legal help is essential. Our motorcycle accident attorney can investigate the crash, gather evidence, and negotiate directly with insurers. We’ll help you pursue every available source of recovery, including the possibility of litigation if settlement fails. Working with our personal injury attorney helps level the playing field and increases your chances of receiving a fair settlement, especially if the insurance company is exhibiting motorcycle bias.
Protect Your Rights After A Motorcycle Crash
Insurance claims involving motorcycles are often more complicated than car accidents. Don’t leave your future in the hands of insurance adjusters. At Antezana & Antezana LLC, we are committed to helping injured riders recover the compensation they deserve. Our team has obtained over $30 million in benefits for our clients annually. We seek maximum financial recovery for every case we take. If you’ve been hurt in a crash, schedule a free consultation with our motorcycle accident lawyers today. You pay no fees unless we win your case.
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