With Motorcycle Safety Month coming up in May and more motorcyclists on the road with the nice Minnesota weather, let's talk about what you should do if you are unfortunately involved in a crash. Experiencing a motorcycle accident can be traumatic and disorienting. However, the actions you take immediately after an accident are crucial for both your physical well-being and your ability to pursue an insurance claim effectively. Here’s a few tips on what to do if you find yourself in this situation:
1. File a Claim Immediately
It's imperative to notify your insurance company of the accident as soon as possible. Prompt reporting is not only often required by insurance policies but also helps ensure that the event details are recorded accurately. Delays can sometimes complicate your claim or affect the outcome.
2. Resist Early Settlement Offers
After an accident, insurance companies might quickly extend a settlement offer. While it may be tempting to close the matter swiftly, these early offers are typically not in your best interest, as they may not fully cover your damages or medical expenses. Always consider consulting with a personal injury attorney before accepting any settlements.
3. Collect All Relevant Documentation
Documentation is your best ally when filing an insurance claim. Collect everything from the accident scene photos, contact information of witnesses, to medical receipts, and a detailed record of any property damage. This documentation will support your case and help ensure a fair evaluation by the insurance company.
4. Refrain from Giving a Recorded Statement
While you must cooperate with your insurance company, you are not obligated to give a recorded statement immediately. Recorded statements can sometimes be used to challenge your account of the event or diminish your claim. Politely decline to record a statement until you have consulted with your attorney.
5. Obtain a Copy of the Police Report
A police report provides an unbiased third-party perspective of the accident and is a valuable document when dealing with insurance claims and potential legal proceedings. Ensure you obtain a copy of this report as it usually contains important information about the accident circumstances and involved parties.
6. Focus on Healing
Your health should be your primary concern following an accident. Follow medical advice and keep records of all treatments related to injuries sustained in the accident. Emotional and psychological impacts are also significant; consider consulting a professional if you experience anxiety, depression, or PTSD symptoms after the incident.
7. Let Your Attorney Talk to the Insurance Company
Handling insurance claims can be complex and stressful. An experienced personal injury attorney can manage all communications with the insurance company, allowing you to focus on your recovery. They can advocate on your behalf, ensuring that your rights are protected and that you receive the compensation you deserve.
Conclusion
Motorcycle accidents are daunting, but taking the right steps afterwards can significantly impact your physical recovery and financial compensation. Remember, your immediate actions post-accident play a critical role in securing your health and legal rights. Stay informed, stay safe, and when in doubt, let a professional guide you through the process. Reach out to us at Betz + Port if you have any questions.
