Should I Contact My Insurance Company After a Motorcycle Accident?

Being involved in a motorcycle accident can be a shocking experience, and there’s often confusion about the proper steps to take. One question we frequently hear is, “Should I contact my insurance company after a motorcycle accident?” There’s a lot to consider. This guide aims to provide a detailed exploration of this question.

Contact a Motorcycle Accident Attorney First

We strongly recommend consulting with an attorney prior to contacting your insurance company.  Know that your insurance company is not necessarily on your side! Their goal, just like the other driver’s insurance company’s, is to pay out as little money as possible.  Conversations with either insurance company could jeopardize your claim. Statements involving how the accident happened or how you are feeling may provide ammunition for the insurance companies to deny your claim or pay out less than you deserve. That’s why we highly recommend consulting with a lawyer before you pick up the phone and speak to an insurance representative.

Reporting to the Insurance Company

Assuming you have ensured your safety and the safety of others involved, contacted authorities to report the incident, and spoken to a motorcycle accident attorney, you may report the accident to your insurance company. However, if you have hired an attorney, your lawyer can do this for you! Here are some things to consider:

• Policy Requirements: Most insurance policies require you to report any accidents promptly. Failing to do so can lead to complications and give them grounds to deny your claim.
• Initiating the Property Damage Claims Process: Reporting the accident to your insurance company sets the claims process in motion. They can provide details on what will happen next and what documents you’ll need to prepare.

What to Say When Reporting the Accident

If you do decide to call the insurance company without an attorney present, you need to be very careful about what you say. Consider these points:

• Avoid Admissions of Fault: Never admit fault when reporting the accident to your insurer, even if you believe you may have contributed. The determination of fault is complex, and your statements could be used against you.
• Don’t Discuss Injuries: Don’t provide any assessments of your injuries. Let medical professionals handle this. Some injuries may not manifest symptoms immediately after the accident.

Seeking Legal Counsel

Engaging an attorney following a motorcycle accident can significantly affect the outcome of your case:

• Navigating Insurance Claims: Dealing with insurance companies can be complex. An attorney can help you navigate this process while protecting your rights.
• Valuing Your Claim: A skilled attorney can accurately value your claim, considering all your damages, including medical bills, lost wages, property damage, and pain and suffering.
• Negotiating with the Insurance Company: Insurance companies aim to settle claims for as little as possible. An attorney can negotiate on your behalf, ensuring you receive the compensation you deserve.

Remember, it’s beneficial to involve an attorney before making any detailed or recorded statements to your insurance company. At The Ruth Law Team, we’re here to guide you through this challenging time and fight for your rights. Don’t hesitate to call us at  (888) 783-8378.

You can also visit us by appointment at one of our Florida Law Offices, Minnesota Law Offices, or Georgia Law Offices.

Please note that the answers to these questions may vary depending on the specific facts of your case, and it is always recommended to consult with an attorney to get more accurate information. This article is for general informational purposes only and is not legal advice.