Motorcycle Accidents: What happens when insurance companies let you down?

According to information released by Florida’s Integrated Report Exchange System, during 2012 there were more than 9,000 accidents involving motorcycles on Florida roadways. In total, 457 drivers and passengers were killed and overall, there were more than 8,600 injuries.

Severity of injuries matter

Generally, motorcycle accidents are far more severe then automobile accidents in terms of the severity of injury. The severity of injuries are often attributed to the sheer lack of protection offered by a motorcycle. Even when a helmet is worn, motorcycle operators and drivers often suffer with serious head, neck and back injuries as well as broken bones and unfortunately, all too often in death.

Unfortunately, in spite of the growing number of motorcycles on the road too often, automobile and truck drivers fail to take proper precautions on the road. When an accident occurs and involves a motorcycle, the motorcyclist’s injuries can be devastating and can often result in life-altering problems including paralysis, brain injuries that can impair vision, speech and motor skills and in some cases even amputation.

Medical bills, rehab costs and lost wages

There is no doubt that any type of serious vehicle accident can have a devastating financial impact on a family. These costs are often multiplied when it comes to motorcycles primarily because of the severity of the accident. Because injuries can be so severe, victims often spend longer periods of time in the hospital, longer times in rehabilitation and lose far more time from work.

Sadly, insurance companies often have a “figure” in mind for settling an accident regardless of the impact of the victim’s injuries and the potential for extended rehabilitation, pain care and loss of wages. After all, the insurance adjuster’s assignment is typically to get the victim to accept as small a settlement as possible in order to protect the insurance company’s bottom line.

You CAN fight back

Keep something in mind: Victims and family members do not have to accept the first offer that is made to them. In fact, when you feel the insurance company is treating you unfairly, it is typically a good idea to speak with a personal injury attorney.

Whether you are the victim of a motorcycle accident or you have lost a loved one in a motorcycle accident, you have the right to be made financially whole. Under Florida law, this means recovering money spent on medical bills which include hospitalization, rehabilitation and cost of medication. In addition, other compensation may include loss of wages, ongoing in-house care and property damage.

It is important to make sure you are not settling for less than what you are entitled to from an insurance company. Whether an insurer has denied your claim after a motorcycle accident, you need to file a claim against an insurer who has made a ridiculously low settlement offer or if you have lost a loved one in a motorcycle accident, consider contacting us by using our online contact form or by calling us at (561) 737-3133. Our goal is to make sure that you get the financial compensation you deserve and make sure the insurance companies treat you fairly.