According to Oklahoma Public Safety,  1285 people were involved in motorcycle crashes in 2021. Of those, 76 people lost their lives and 276 were severely injured. Many crashes and injuries in Oklahoma could be avoided by driving at slower speed and helmet use, but unfortunately, crashes are on the increase in the state. With the great potential for injuries and property damage in a motorcycle crash, drivers and passengers will want to work effectively with their insurance companies to claim the full compensation they are eligible for. 

Immediate Steps After the Accident

In the aftermath of a motorcycle accident, immediate steps can be critical for future compensation claims. First, ensure everyone’s safety and call 911 if necessary. Exchange contact and insurance details with any other parties involved. Try to capture the accident scene by taking photos or videos, showing damage, injuries, road conditions, and any potential contributing factors. If there are witnesses, collect their contact details as well. Do not admit fault or discuss the details of the accident with others involved. Instead, provide an accurate and factual account to the police. Taking these steps can create a clear record of the incident, which can be valuable during the insurance claim process.

The Importance of Medical Attention

Securing medical attention following a motorcycle accident is crucial, regardless of how severe the injuries may appear at first glance. Not all injuries manifest symptoms immediately; some, like concussions or internal injuries, may take hours or even days to become evident. By getting a prompt medical check-up, individuals ensure that any hidden injuries are diagnosed and treated early. Furthermore, medical records can play a vital role in insurance claims or legal proceedings by providing evidence of injuries directly linked to the accident. They help establish the extent of the harm suffered, which can directly influence the amount of potential compensation. Therefore, prioritizing medical attention after a motorcycle accident is of paramount importance.

Documenting the Accident

Thoroughly documenting a motorcycle accident is paramount in the incident’s aftermath. One should gather as much data as feasible at the site. This encompasses the contact and insurance details of all parties involved, witnesses’ contact information, and a precise record of the accident scene. Images or videos capturing the motorcycle, other vehicles involved, roadway, weather conditions, and any apparent injuries can prove particularly useful. Additionally, promptly noting down the incident’s specifics – elements like time, date, location, and the sequence of events leading up to the accident – is essential. Such documentation could serve as vital evidence when pursuing compensation from insurance companies.

Reporting the Accident to Your Insurance Company

Following a motorcycle accident, reporting the event to one’s insurance company is among the vital steps to take. Most insurance policies necessitate immediate notification of any accident. Any delay could potentially jeopardize the claim. When submitting the report, adhere to factual information and refrain from conjecture about fault or how the accident could have been prevented. Share basic information such as the accident’s time and place, who was involved, and a succinct description of what transpired. It’s crucial to remember that any provided information could be used during the claim process, necessitating honesty, accuracy, and conciseness when reporting the accident.

Understanding the Claim Process

The claim process is initiated upon notifying your insurance company about the motorcycle accident. An adjuster is assigned to the case who reviews the accident’s details, assesses the damage, verifies facts, and possibly negotiates a settlement. The adjuster might request additional information such as medical records, repair receipts, or proof of lost income. The claim review process could take several weeks. Once the evaluation concludes, the insurer decides whether to approve or deny the claim. If approved, a payout is provided based on policy limits and the accident’s specifics. Understanding this procedure can help set expectations and facilitate smoother claim navigation.

Negotiating with Insurance Adjusters

In interactions with insurance adjusters post-motorcycle accident, proficient negotiation skills can significantly contribute to maximizing compensation. The adjuster’s role is to minimize the insurer’s payout, while one’s goal is to secure a fair settlement. All evidence, including medical records and repair bills, should be presented and a firm stand taken on the claim’s perceived value. The initial offer should not be accepted without careful evaluation; it is usually a negotiation starting point. Recorded statements should not be given or documents signed without complete understanding. Patience is key. Although the negotiation process might be drawn-out, the objective remains to reach a fair settlement.

What to Do If Your Claim is Denied

A denial of an insurance claim following a motorcycle accident is not necessarily the end. The first step is understanding the denial reasons, which should be outlined in writing by the insurance company. This could be due to policy exclusion, coverage lapse, or a dispute over accident culpability. Depending on the reason, an appeal might be possible, requiring submission of additional evidence or clarification supporting the claim. Another option is disputing the denial through the company’s internal review process. Persistence and continued advocacy for rightful compensation are crucial.

When to Consider a Personal Injury Lawsuit

Following a motorcycle accident, considering a personal injury lawsuit might become necessary, especially when insurance negotiations fail to yield a fair settlement. Conditions that typically precipitate such considerations include severe injuries, permanent disability, steep medical bills, significant income loss, or disputes over accident culpability. A personal injury lawsuit seeks compensation beyond what the insurance company offered. It’s crucial to remember that compared to an insurance claim, this process is more intricate and time-consuming. Successful cases often depend on proving the other party’s negligence caused the accident, resulting in injuries.

Avoiding Common Mistakes

Motorcycle Accident Law

Avoiding common mistakes is crucial for a successful interaction with insurance companies post-motorcycle accidents. One such mistake is failure to promptly report the accident or omitting important details. Another common error is neglecting immediate medical attention, potentially causing health complications and weakening the claim. Documents should not be signed or initial offers accepted from the insurance company without thorough review. Despite the natural tendency to share the accident experience on social media, it can inadvertently harm the claim. Photos or statements could be misinterpreted and used against the claimant. Mindfulness of these errors can contribute to a smoother claim process and enhance the chances of securing fair compensation.

If you have been involved in a motorcycle accident, contact us or call us at 918-359-6600 today for a free consultation. 

When injury victims need a law firm with a reputation for excellence, turn to Graves McLain Injury Lawyers. We are a top-rated personal injury firm determined to be the best. With decades of award-winning representation, our clients recover the compensation they need to put their lives back together.

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