Why Would Someone Need Motorcycle Insurance?
It would be the same regardless of what type of accident occurred or anytime someone was dealing with an insurance company, because the insurance company would be looking out for their own best interest and they would be looking out for their bottom line.
It is a misconception that insurance companies are there to help or compensate people. Insurance companies are in business to make money and they make that money by not paying claims. I usually recommend getting some legal advice, or better yet, getting some representation through an attorney when someone has to deal with an adversarial situation with a major corporation.
Would The Case Be Doomed If The Person Was Told It Was Their Fault?
The person should make sure they do a thorough investigation and they should not jump to the conclusion that they were at fault, because various factors could come into play. They should definitely contact an attorney, request the traffic collision report, go out to the scene of the accident, review photos of the property damage and talk to any witnesses or review any statements of any witnesses before coming to the conclusion regarding who was at fault for a particular accident.
Should The Person Ignore The Insurance Adjuster Or Should They Give Them A Statement?
I would typically recommend the person to not give a statement if they were planning on hiring an attorney, although if they were determined to handle the case themselves, then at some point they would be forced to give a statement to the insurance adjuster. Anyone who had even the slightest inclination of getting an attorney involved, should hold off and tell the insurance adjuster that they have counsel.
The attorney would then review the facts of the accident, review witness statements, get a copy of the police report, and conduct a thorough investigation into how the accident happened.They should also be prepared to answer questions regarding the injuries, lost wages and any future medical care at the time of the statement. Insurance companies typically like to get a statement from the victim right away before they have a chance to realize the full nature and extent of damages so that they can then try to lock the person in, in a sense, to minimize what they may have to compensate them for.
What Happens In A Situation Where The Other Person Did Not Have Insurance Or Was Underinsured?
This would depend on the specifics of the case and the defendant’s ability to pay.
Typically, people are underinsured because they do not have anything to protect, but there have been situations where someone might be underinsured, that they were in the course and scope of their employmen tthey were operating another person’s automobile and there was a secondary registered owner on the vehicle that may have had higher limits. There can even be situations where even if the driver was underinsured or uninsured, there sometimes might still be other avenues to take a look at so that a recovery could successfully be made.
Can An Attorney Negotiate Hospital And Medical Bills For A Motorcycle Accident?
Absolutely, and this would come into play when there was not adequate insurance to compensate the victim of an accident. Oftentimes, it would necessitate the attorney to have to negotiate with the medical providers and get them to take substantial reductions to be able to get the case resolved favorably for the client.
What Happens If The Medical Bills Are More Than The Insurance Would Cover?
In this case the medical providers would need to be notified and alerted about the situation and they would need to be provided with the documentation necessary to establish that the victim of the accident had not been made whole and was seeking a reduction. Medical providers would usually rather take substantial reduction from the attorney than run the risk of getting nothing by having to chase the client.
For more information on Insurance in Motorcycle Accidents, a free initial consultation is your next best step. Get the information and legal answers you’re seeking.GET A FREE CONSULTATION