Motorcycle accidents are a trying experience, especially when injuries are sustained. Being faced with medical and insurance bills can be daunting, even more so without knowledge of accident law. Knowing how accident law works for you is the key to moving resuming daily life.
Whether involved in a minor or major accident, it is important to know the steps to take to resolve the situation. Reporting an accident is necessary for most insurance companies, and the more details provided, the better for processing a claim. During the exchange of information and reporting process, never admit to the other involved party that you are, or may be partially responsible for the accident. That assessment will be made by claims processors.
Making a claim
Typically, motorbike injury claims can be made up to three years following an accident, with processing time taking between six to eighteen months. As long as an accident was caused in part or totally by another party, it is possible to make a claim against the insurer of the other vehicle involved.
With the guidance of compensation claims specialists, completing the necessary steps to achieve a settlement is easy. When filing a police report, include the registration as well as other vital details pertaining to the other party, including photos of the scene. Before submitting a claim form to the insurer for the at-fault party, confirm all sections of the form are completed. If need be, consult with an accident injury lawyer.
Settling a claim
Proving a claim is a process in patience and compiling as many details and documents possible. A motorbike injury claim can be filed for medical expenses related to injuries, loss of earnings, loss of a primary breadwinner, funeral costs, material costs to the motorcycle, and psychological effects due to trauma.
In order to prove a claim, be prepared with the appropriate documents. Have a physician-issued medical report detailing injuries sustained, as well as financial records and invoices for any medical treatment. Know the estimated costs of any future medical treatments should they be needed.
If reporting a loss of earnings or loss of employment, financial records outlining this loss are required. Lodged police reports and insurance accredited assessment of the value of material damage to the vehicle should be included in your outline.
There are some factors that may impact the amount of settlement received in a claim, even if the accident is not your fault. Failure to wear a helmet on a motorbike, riding in an unsecured fashion, distracted driving, and driving under the influence of drugs or alcohol are all instances that can reduce the amount of claim received.
The amount of settlement received depends on the total value of the claim, the extent of injury and subsequent economic loss, the circumstances surrounding the accident, the degree of responsibility of the parties involved, and whether or not the responsible party has insurance or assets valuing the cost of compensation.
Before claiming compensation, it must be determined who is responsible for the accident, and how much they are responsible. Given that all parties involved could have a degree of responsibility, it is possible to claim from multiple sources. Personal insurance, compulsory third party insurance, or reparations from the personal finances of the responsible party are sources from which to seek a claim.
By law, accident lawyers and solicitors have a max ceiling set out by legislation to prevent them from gouging the cost of services. Based on the claim, it may be possible to have legal expenses covered by the insurer.