How is handling a motorcycle accident claim different from handling standard auto accidents?
Although the same basic principles apply to motorcycle accidents as they do in auto accidents, there are insurance nuances that are easily overlooked by an inexperienced motorcycle personal injury lawyer.
Experienced motorcycle lawyers help you avoid accidentally waiving your rights.
Insurance companies will slip all sorts of fine print into the motorcycle accident settlement. One of the trickier ones includes a “waiver of subrogation,” clause that is intended to prevent your insurance company from seeking reimbursement from your award.
I always advise riders not sign a settlement with the other driver’s insurance provider until you call and speak with a qualified motorcycle lawyer.
In Pennsylvania the minimum amount of insurance that the state requires you to have on your auto is only $15,000.
Once I explain this to a new client who is entitled to a larger claim they almost always they ask if we can sue the person individually. The answer is yes.
However, given that the person causing the accident purchased the minimum amount of insurance coverage, even if we do file a motorcycle accident lawsuit and are awarded an amount in excess of their insurance limits, the odds of actually collecting on the award are minimal at best.
I am always happy to discuss these issues from the angle of a motorcycle accident lawyer, which may be different from how the average person who has not dealt with insurance claims would view them!
Or better yet, just call me at 888-292-5352 – Pennsylvania consultations are always free.
Motorcycle Attorney Pennsylvania Insurance Recommendations
You should have better insurance on your motorcycle than have great insurance on your cars.
The reason is simple: if you are involved in a motorcycle accident you are more likely to be seriously injured on your bike than in your car. Fixing a car or motorcycle is cheap compared to fixing your body or head.
I recommend purchasing at least $100,000 in uninsured and underinsured motorist coverage on your motorcycle. This protects you when someone who hits you is uninsured or underinsured.
Additionally if you have State Farm, or in some cases Erie insurance, there are ways to increase the amount of uninsured and/or underinsured coverage buy purchasing the “stacking” option on your policies.
Call 888-292-5352 to discuss your Pennsylvania case for free
Pennsylvania Motorcycle Lawyers Cannot Force Medical Reimbursement Until the Claim Resolves
Unlike auto insurance, motorcycle policies rarely, if ever, carry any medical benefits.
Therefore, unless you have some form of private health insurance you will initially be responsible for your medical bills.
Although your motorcycle injury lawyer can usually recover medical expenses and reach an agreement with the medical facility sending the bill, regardless of what any insurance company adjuster tells you, they will not pay your bills until the claim resolves.
Obviously, it is our goal to resolve your claim as quickly and as painlessly as possible.
On those occasions when the other side is denying responsibility, we will immediately file suit on your behalf, seeking to recover all of the motorcycle accident damages you have suffered.
If you are married the law also allows us to make a “consortium” claim for your spouse to compensate them for any losses they may have suffered as well.
Unlike some other Pennsylvania motorcycle accident law firms, if we believe the other insurance company is purposely delaying your claim, we will immediately file suit so they know we are serious about your recovery.
I Focus My Practice on Motorcycle Accidents
When looking for a motorcycle attorney in Pennsylvania please consider a lawyer that not only has experience as a biker, but who has also handled motorcycle accidents almost exclusively, and has done so for more than two decades.
Look at it this way… if you suffer a serious motorcycle accident injury to your leg, would you prefer being operated on by a doctor known for treating serious leg injuries… or would you settle for a general practitioner?
Most people want the best, most specialized physician they can find to repair their injuries. The same principle applies when looking for a motorcycle accident attorney.
These days handling injury claims has become a science all to itself and in order to make sure you are getting the very best representation, it is in your best interest to hire a motorcycle personal injury lawyer who has earned the trust of bikers since 1991.
Free Pennsylvania Consultations
For a free consultation, please call motorcycle accident lawyer Lee D. Gaber at 888-292-5352 anytime.