If you are in an accident, you have to file a claim with your insurance carrier, which will handle all the details regarding the claim. The insurance company of the at-fault driver will determine who is at-fault and if there was any vehicle damage or injuries. After determining who is at-fault, the insurance company will pay you what the insurance company determines is the best settlement amount for your claim. In many states, liability insurance is required as part of your car insurance. However, some states may require motorcycle insurance or only require motorcycle coverage. If you live in one of the states that do not require motorcycle coverage or have a low limit on your coverage, you can get a motorcycle injury claim.
Evaluating Damage. The next step is evaluating the damages. To make an accurate assessment of the damages, it is important to keep in mind that the claim will be processed according to your policy limits. Missing Work Lost earnings is a separate claim that is separate from the policy limits. When this claim is submitted along with the motorcycle accident claim, your insurance company will process the claim and your claim will be handled quickly.
Making a Claim. Once you file the claim, the insurance company will process the accident report. This report states all of the details related to the accident. It will also contain any pictures or video of the accident and other witness statements. To process the insurance claim, your insurance company will ask you to fill out a claim form. Once you complete the form, you will need to provide all of the information the insurance company needs to process your claim.
Agreeing to pay. Once you have filed the claim and provided all of the insurance company information, you and the other party involved will need to agree on the terms of the settlement. Many times, the insurance adjuster will meet with you to review the terms and conditions of your motorcycle accident settlement.
Subrogation. Motorcycle injury claims come with the provisions for subrogation. This means that if you are injured in an accident caused by another person, they may be able to use your injuries to try and recover money from you. Subrogation laws vary from state to state. In general, however, subrogation is designed to allow someone to collect damages who has been injured in an accident caused by someone else’s negligence.
Making missed work. One of the benefits of making a motorcycle injury claim is that you can often receive compensation for missed work. If you have had to miss work due to injuries from an accident, you may be eligible to receive missed work compensation. Most states allow for a recovery for missed work as long as two years from the date of injury. Again, you should consult with your adjuster to be sure that this exception applies to your case.