Communicating with Insurance Companies After a Motorcycle Accident
When someone is injured in an accident and wishes to file a claim for damages, they will need to contend with the defendant’s insurance company. This can be difficult, as well as risky, because these companies will try to pay out as little as possible. The best thing to do is to find a dependable motorcycle accident attorney to handle this aspect of the case. It can be exhausting communicating with insurance companies after a motorcycle accident, on top of recovering from injuries. A legal professional could know the best way to get you the relief that you seek.
Who to Contact After a Motorcycle Accident
Any time there is a motorcycle crash, a person has a duty to make sure they report it to their insurance company. However, they should contact an attorney first in order to confirm the details of the incident and learn what they should and should not say. It is best practice for a lawyer to be the one who communicates with insurance companies after someone is injured in a local motorcycle crash.
If a person does not have any kind of insurance, that does not necessarily bar them from engaging in a lawsuit. If they were not at fault for the crash, they should still contact the other person’s insurance company.
How Can the Lack of Insurance Impact a Personal Injury Case?
The minimum insurance coverage in Ohio is only $25,000, meaning the at-fault party is required to have no less than $25,000 worth of liability insurance. However, the most important type of coverage that anyone on the road can have is uninsured and underinsured motor vehicle coverage.
If the negligent driver does not have insurance or does not have enough, the plaintiff can make an uninsured/underinsured motorist claim through their own policies. This can help make up for the fact that they cannot recover compensation from the other individual.
Consequences of Not Having Uninsured Motorist Coverage
If a person does not have this type of insurance, they are at the mercy of the other party and their insurance company. For example, if someone suffers a catastrophic injury that requires extensive or life-long medical care, but the defendant only has the minimum $25,000 policy with no personal assets, the plaintiff may be stuck with only the $25,000.
However, if they had purchased underinsured/uninsured motor vehicle coverage, they can set up a claim under their own policy to make up for those damages.
Should Anyone Directly Correspond with the At-Fault Party’s Insurance?
Claimants should not speak with the defendant’s insurance company without the assistance of an attorney. The job of an insurance company is to pay as little money as possible, so they will try to get a plaintiff to make a mistake or reveal information that will potentially hurt the claim.
If a person does not have a lawyer, they will have much more work to do. They would have to acquire their own medical records and bills to submit to the adjuster and potentially spend hours on the phone when they should instead be recuperating.
Therefore, it is recommended to find a local lawyer who could communicate with insurance companies after a motorbike collision. Attorneys usually have the benefit of knowing how insurance companies evaluate claims and what they would need in order to do so. An attorney could counter any unfair or untrue finding that the adjuster presents.
Find an Attorney to Speak with Insurance Companies After a Motorcycle Accident
When you have sustained severe injuries, your main goal should be to get better. You should not be expected to manage a legal claim by yourself. That is why you should get a lawyer to communicate with insurance companies after a motorcycle crash. They could craft a plan for negotiating with the companies involved in your claim. Contact Tittle & Perlmuter today to get a free consultation.