There is nothing quite like living your life on two wheels. A motorcycle is not just a cost-efficient way to not only get from point A to point B, but it’s also a way to enjoy the ride. As avid motorcycle riders, we understand this.
We also understand the shock and uncertainty of that phone call. The call that tells you your loved one has been in a motorcycle accident. Life has suddenly changed forever. The next few steps you take can significantly help your loved one.
Step 1: Get Medical Help Immediately
The first and most important step is to get them medical help immediately. If they are lucky enough to walk away from the accident, it’s still essential that you get them seen by a medical doctor as soon as possible. Shock can often delay pain, so it’s in your loved one’s best interest to get them seen by a doctor right away.
Fractures, road rash, concussions, internal injuries, muscle damage, and foot/leg injuries are some of the more common injuries for motorcycle riders, even when wearing the proper protective gear (Source: Motorcycle Legal Foundation). Some of these injuries are apparent immediately while others may go undetected right after the accident. In many cases, the injuries that weren’t visible right away can still have long-term effects or cause ongoing pain.
Getting your loved one medical care sooner rather than later can ensure accurate documentation that can later be used in an insurance claim or lawsuit. If too much time elapses between the injury and the medical exam, an insurance company may be able to argue causes other than the motorcycle accident.
Step 2: Talk to a Knowledgeable Motorcycle Attorney
Once you have gotten your loved ones the medical care they need, your next step should be to speak with a motorcycle accident attorney who has in-depth knowledge about insurance coverage. Just like motorcycles vary in riding style and engine size, insurance coverage for motorcycle accidents can vary widely. An attorney who has experience handling motorcycle accidents and a background in insurance coverage can carefully evaluate and explain the important aspects of an insurance policy.
We recommend talking to a motorcycle accident attorney rather than your insurance carrier since the attorney’s focus is your best interest, not the insurance companies. An insurance agent will tell you the basics, but won’t fight for you or clearly explain everything you need to know about the insurance coverage. Additionally, it’s helpful to discuss your loved one’s accident with an attorney who also rides a motorcycle. With first-hand knowledge of what it’s like to navigate the road on two wheels, they can provide an experienced perspective on the accident. An attorney that doesn’t ride a motorcycle may not understand how seemingly minor road debris, like sand or wet pavement, can significantly impact the rider’s control over the bike.
If your loved one has been involved in a motorcycle accident, contact our team today. We are committed to helping you and your loved one through the legal and insurance process.