If you have been involved in a motorcycle accident, one of the first things you should do is to let your car insurance company know about the accident. The insurance company’s adjuster will get in touch with you to interview you about the motorcycle accident and the circumstances surrounding it. This interview may take place over the phone or at the insurance adjuster’s local office. During the interview, the adjuster will ask you questions related to your accident. You’re required to provide honest and exhaustive answers to these questions. You’re also free to ask your own questions to have your concerns addressed and protect your interests.
In this article, we have provided a list of questions you should ask your insurance after an accident. Read on to discover how you can preserve your rights to compensation after a motorcycle accident.
What information do you need from me to process my claim?
Your insurance company will want you to provide detailed facts about the accident. You’ll also be required to provide information on all parties involved in the accident. Make sure you answer their questions as honestly as you can, but don’t admit fault. Also, don’t give your opinion as it could be used against you; but only facts as you can remember them. If you don’t remember something or aren’t sure, don’t guess – be honest and tell the adjuster that you can’t remember it.
Some of the information that you may be required to provide include details of the other driver and/or other parties involved, including their names, addresses, license plate number, vehicle make, year and model, their insurance carrier and policy information, and their perceived traveling speed.
What is and isn’t covered, and how much can I expect?
Knowing what your policy covers will allow you to better prepare for the claim. So ask your insurer exactly what is and isn’t covered by your motorcycle policy. Also, find out if there are any accident-specific factors that will affect your motorcycle accident insurance claim. What compensation can you expect?
Typically, the insurance may try to offer a low-ball settlement the first time around. Though you may be vulnerable and need the money fast, never accept their first offer. Instead, use the services of a good lawyer who has contacts with experts who can determine the full value of your losses after a motorcycle accident. It is unlikely that the low number they are offering you is fair and capable of fully compensating you for your injuries.
Am I being recorded?
As an accident victim, you don’t have any legal obligation to provide a recorded statement. If the adjuster wants to record the interview, they must ask for your permission first; and you’re free to refuse them. Remember a recorded statement could be used against you.
What am I signing?
If the adjuster presents you with paperwork to sign, ask them to explain what they are and whether they can allow your attorney to review them. Never sign documents from the insurance company, including your own statements and releases, until your lawyer has reviewed them.
What should my next step be?
Ask your insurance company about the settlement time-line of your case. Then, continue taking steps to ensure your health and safety by seeking proper medical attention. If you were unfortunate enough to sustain serious injuries, do not worry about immediate medical costs. Just seek treatment right away. You’ll pay these medical expenses once you receive your compensation through the assistance of an attorney. A good lawyer can also help you deal with an insurer that stalls in or refuses to make a settlement.
Lastly, when dealing with insurance companies, one of the best things you can do to protect your rights is to engage the services of an experienced motorcycle accident lawyer. Your lawyer can guide you through the difficulties of dealing with the insurance company that may want to give a low-ball settlement offer and ensure you get your rightful compensation.