If someone causes an accident and injures you because they were distracted while driving, they should be covering your medical care, lost wages and other losses. For some people, there will be an insurance policy that victims can claim against. But what if the driver that injured you and totaled your bike doesn’t have insurance?
One way motorcyclists can protect themselves
Motorcyclists should practice vigilance not only when driving but when purchasing insurance. Often, insurance companies try to get motorcyclists to accept minimal policies or will decline to provide adequate uninsured motorist coverage. It is important that motorcyclists insist on adequate insurance coverage in case the negligent person who causes the accident is uninsured or underinsured.
Not on your friend list
It is important to remember that insurance providers aren’t your friends. The agent may empathize with you, but at the end of the day, their job is to protect the insurance company’s bottom line. They will often attempt to sell you an inadequate policy, especially for Uninsured or Underinsured motorist coverage.
Insurance adjusters are trained to devalue
After an accident happens, insurance adjusters are trained to negotiate and are in the business of making money, not paying money. The adjusters you work with have a job to do. That job is to settle your case for as little as possible. To do this, they may try to devalue the case. They might question fault, or a diagnosis, or look at social media to suggest that you are healthier than you’re claiming. It’s not fair, but it is their job.
It’s not a good idea to handle negotiations alone
It’s not wise to try to negotiate with an insurance company directly. It’s in your best interests to know your legal rights and the options that are available. Your attorney will help you build up a case and will be on your side. Solomon Law Firm’s goal is to get you the Compensation You Deserve.
