How to Handle Insurance Disputes After Motorcycle Accidents
Motorcycle riders lack the protection of an enclosed vehicle and are more vulnerable to serious injuries in an accident. Even relatively minor motorcycle crashes can result in thousands of dollars in medical bills and lost income.
Unfortunately, dealing with insurance companies after a motorcycle accident can quickly become frustrating and complicated. Knowing your rights and following certain steps can help you resolve insurance disputes fairly after a motorcycle crash.
Communicate with Your Motorcycle Insurance Provider
After an accident, contact your motorcycle insurance provider right away. They will open a claim and begin gathering information about the incident. Provide them with a detailed account of what happened and ask what documents you need to submit to support your claim.
Specifically mention any injuries sustained and medical treatment you have received or plan to receive. Ask your provider to clarify what medical expenses and lost wages will be covered under your policy. Having clear communication early on can help avoid disputes down the line.
Review Ohio Insurance Laws
The state of Ohio has certain laws regarding motorcycle insurance policies and claims. Take some time to understand your legal rights and protections as a motorcyclist.
For example, Ohio is an “at-fault” state when it comes to insurance. This means the driver who caused the accident has primary liability. Their insurance should cover your damages and losses first before your own policy kicks in.
Knowing key insurance laws will empower you to get the maximum benefits you are entitled to after an accident.
Disputes with the At-Fault Driver’s Insurance
Unfortunately, disputes often arise when dealing with the insurance provider of the at-fault driver. Their insurer may try to minimize what they owe you or even deny your claim altogether.
If the at-fault insurance company disputes that their driver caused the crash, be ready to provide evidence like police reports and witness statements. If they dispute the extent of your damages, have your doctor document all injuries and treatment recommendations in writing.
You can also hire a personal injury attorney to handle negotiations and compel the other insurance company to pay fairly. An experienced lawyer knows how to apply pressure when insurers are being unreasonable.
Disputes with Your Own Insurance Provider
Conflicts can also come up with your own motorcycle insurance provider. They may claim some of your medical treatment is not necessary or unrelated to the accident. Or they may offer an unreasonably low settlement that does not adequately cover your total losses.
Be proactive by having your doctor justify why certain treatment is warranted specifically due to accident-related injuries. Thoroughly document all medical costs, lost wages from missed work, motorcycle repair bills, and other losses. Hiring a lawyer can also be beneficial when your own insurer is not offering a sufficient settlement.
Consider Legal Action as a Last Resort
If reasonable negotiations fail to resolve disputes with insurance companies, legal action may be your only recourse. An experienced personal injury attorney can help you file a lawsuit against the at-fault driver to recover compensation.
Lawsuits should be a last resort, but they are sometimes necessary when insurers refuse to pay what you are rightfully owed under your policy and the law. The threat of litigation also motivates insurance companies to take your claim more seriously.
Get Help from an Experienced Motorcycle Accident Law Firm
Dealing with insurance disputes after a motorcycle crash can quickly become overwhelming. An experienced motorcycle accident lawyer understands how to negotiate with insurers to get you maximum compensation. Contact us for a free consultation if you or a loved one has been injured in a motorcycle accident. Our attorneys will evaluate your case and help craft a strategy to resolve any insurance disputes fairly.
Visit one of our offices at:
- Westerville – 4151 Executive Pkwy, Suite 355, Westerville, OH 43081
- Mansfield – 33 S. Lexington-Springmill Rd, Mansfield, OH 44906
Or call now for a free consultation on (614) 224-4114.