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Nasty Tricks the Other Person's
Insurance Company
Will Play On Your Motorcycle Accident Claims
Insurance companies have no intentions of paying you for your motorcycle
accident claim. They will do everything they can within their power and to the
extent the law will allow them to, to NOT pay you one penny for your motorcycle
accident claim. Don't think for one minute that the insurance companies will do
what they are suppose to - that is - provide insurance. They won't. It's their
job to prove that you were at fault and therefore you deserve no money or
reimbursement for your injuries. Sorry to be the bearer of "bad news" - but it's
time to face reality - and be prepared for what lies ahead of you, if you or a
loved one has been involved in a motorcycle accident.
Things Can Go Wrong If You Talk To The Other Side's Insurance Adjuster
Without An Attorney:
1) One vague statement you give them can easily be misconstrued and twisted into
something else which they can use against you in the case.
2) They may even casually, in a non-threatening manner, attempt to chat with you
on a personal level about your accident. Be careful, they are trying to suck you
into giving away some information that can be used against you. It's their job
to be sneaky. Don't let them "bait" you into talking about the accident or your
motorcycle accident injuries.
3) You might inadvertently say something that shifts the blame on you in the
accident, and gives them the perfect escape out of having to pay the claim. They
know the
motorcycle accident laws, you don't. They are waiting for you to give
them one little piece of information they can use against you to close the case
without paying you a dime.
4) Many times, an innocent statement is given to the insurance company, and
later it's used against the motorcycle victim. Even the simplest statement can
be twisted around to hurt your motorcycle accident claim.
5) Another witness to the accident may have a different story than yours, which
can also be used to build against you in the motorcycle accident claim. Make sure
you compare your testimony to what other witnesses are saying about the
accident, before you ever give a statement to anyone. Again, this is why it's
best to have an attorney. You can direct all questions from insurance claim
adjusters to your attorney.
6) They may ask you to explain your
motorcycle accident injuries. Many times
after a motorcycle accident, the persons wounds and injuries are obvious.
However, there are other injuries or problems that may arise 2, 3 or 4 days
after the accident. Some of the later injuries can cause severe disability. So,
even if you only have minor cuts and bruises after your accident initially, it's
wise to wait a few days and see how you feel, watch to see if any other symptoms
manifest. Insurance adjusters may call you the day after the accident to ask you
for a statement on the accident or to describe your motorcycle accident
injuries. It is best to not speak of your injuries until after you see your
doctor and the doctor has given you a full report on the extent of your
injuries. And, it's important to wait at least 10 days after the accident, to
see whether or not any secondary motorcycle accident injuries arise. Put time on
your side, there's no rush. The insurance adjusters can wait. And besides, your
adjusters should be speaking to your attorney, and not to you directly. Advise
any insurance adjuster to speak directly to your attorney - that's always your
best bet.
7) Insurance adjusters will also try and ask you if you've been involved in any
other collisions or accidents. What most people don't realize is that the
insurance adjuster has a database that lists every accident claim made in your
state. So, if you had a small fender bender 10 years ago that you forgot about,
but told the insurance adjuster you haven't made any previous claims, he will
accuse you as being a "liar" in court and further accuse you of hiding the truth
"under penalty of perjury" since you gave a recorded statement to them where you
promised to tell the truth. Now they gotcha! You lose the claim.
Best Advice When An Insurance Adjuster Calls You About Your Motorcycle Accident
Claim
Above is a list of problems to expect when dealing with the insurance company
with whom you are filing a claim against. There is no reason for you to give the
other parties insurance company a statement.
The best thing to do in all
situations is to keep silent and simply advise the insurance adjuster to contact
your lawyer. You hired an
experienced motorcycle accident attorney for a reason, so, let
him or her handle any questions you get from the insurance people, or other
business related to your motorcycle accident claim. Put the law on your side,
let your motorcycle accident attorney handle this for you. And, you'll sleep
better at night too knowing you didn't let the insurance adjusters sabotage your
claim.
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