by David Cole This past month, the Biker Lawyer team obtained justice on behalf of a disabled veteran in Waco who had been battling an insurance company for years. They doubted his injuries, questioned his integrity and refused to pay. This wasn’t the first drawn-out fight in Lt. Jon Farr’s life. As a member of … Continue reading “Fighting For Our VETS!!”
You heard the screech, and the crunch; and then the world spun. Yep, you’ve just been in a crash. And legally speaking, what you do in the next 45 minutes may be the difference between getting what you deserve or getting totally screwed. Remember, while you are sitting on the curb trying to figure out … Continue reading “Awww S#!%, You’ve Just Been Hit”
You heard the screech, and the crunch; and then the world spun. Yep, you’ve just been in a crash. And legally speaking, what you do in the next 45 minutes may be the difference between getting what you deserve or getting totally screwed. Remember, while you are sitting on the curb trying to figure out what to do next, the other person involved is trying to figure out how to blame it all on you.
So, whether you caused the accident or were the victim, the team here at BikerLawyer.com has put together this checklist of “Do’s” and “Don’ts” for those moments right after a crash. Make sure you give yourself the best chance to make ‘em pay.
Before we start: if you have life threatening injuries after a crash, call 9-1-1. Get help right away. But, if you are not critically injured, use the tips below.
1. Take Photos of EVERYTHING
Put your phone into full gear and snap as many pictures as you can from multiple angles. Take 100s of photographs. Or, even shoot some video that you can narrate as you walk through the crime scene. And do it right away, before someone can move their vehicle or change the critical details of the scene in any way.
A good place to start: your bike, other vehicles involved, license plates of any car near the scene (including witnesses), insurance cards, id cards, the intersection, skid marks, street signs, roadways, road conditions, things that might have caused the crash like potholes, obstructed signs, and damaged property (cracked helmet, ruined glasses).
2. Take Photos of your INJURIES
Road rash, cuts, gashes, broken bones, bruises, and damaged clothing. If you wait until after you get home or see a doctor, the severity of the injury will appear less intense.
3. Get Contact Info
Get the name, email and phone number of every witness you can think to ask. Again, take pictures of their license plates and identification. A picture of the witness with their ID will help remind you which name goes with which witness.
4. If Your Bike Is Damaged: Call the Police
If the crash isn’t serious, they might not come out to the scene, but you’ll need a police report to file claims with insurance for your property damage. If they do come to the scene, be polite and cooperative. If you are the victim, cooperate fully. If you caused the accident; be polite, but ask to have your lawyer and give us a call. (800-245-5539)
On a side note, if your bike is towed, it is YOUR RESPONSIBILITY to get it back. In Texas, it is on you to get it out of the impound lot. If you wait too long, they can sell your bike. So get it back as soon as you can, and save all the receipts – towing, storage, so that cost can be part of your claim.
5. If You Are Injured: Go to the Doctor
Often people think, “I don’t have any money or good insurance, and I feel ok.” If you wait for a few days because you think you are ok, and then hurt real bad – the other party might refuse to cover that claim, saying it was not a result of this incident. Call Biker Lawer (800-245-5539) if you need help. We work with doctors and specialists who can wait to be paid until you settle your claims. Also, a county hospital, like Parkland, must treat you even if you do not have insurance. Again, don’t put it off if you are injured.
6. Get A Recording
It doesn’t happen often, but if the other person at the scene is saying, “Oh my gosh, that was totally my fault.” Then get it on video or in writing!
1. Don’t Run
Stay put. Fleeing the scene of an accident can be a crime all by itself. You don’t want another headache, so just sit tight.
2. Don’t Be A Jerk
It’s tempting to lash out, but try to be calm and polite to the other driver, police, and witnesses.
3. DO NOT GIVE A STATEMENT TO INSURANCE
This is your only chance to get it right, and you have a lot of things swirling in your head. Instead, call us first (800-245-5539), and we can conference in on the call to make sure that the insurance company has your claim (and not their bottom line) as the priority.
When you have a crash, you only have one chance to get all the details and get this right. This isn’t a “smarts” issue, it’s all about experience. A crash will make your heart race and your head spin. Even the smartest person will have a hard time thinking it all through. So, follow these steps, and give us a call. We’ll fight hard for you and make ‘em pay.
Wrong! There is No Such Thing! Lots of times when I talk to my clients about insurance, the conversation goes like this: Me: You have insurance coverage, right? Bike accidents can be pretty serious; you need to be protected. Client: Yep. I’m good. I’ve got Full Coverage. (Emphasis on the “full”) Me: Well, I hate … Continue reading “So, You Have “Full Coverage” Insurance?”
Wrong! There is No Such Thing!
Lots of times when I talk to my clients about insurance, the conversation goes like this:
Me: You have insurance coverage, right? Bike accidents can be pretty serious; you need to be protected.
Client: Yep. I’m good. I’ve got Full Coverage. (Emphasis on the “full”)
Me: Well, I hate to burst your bubble but there is no such thing. Policies have a limits and restrictions. And, if you don’t have the RIGHT coverage, you may not be covered as well as you think you are.
Client: For real? My insurance agent said I was good.
Me: (smacks forehead.)
We could go on all day, so let me get to the point. Insurance is tricky. And, insurance companies are in business to make money. They do that by selling policies and not paying out claims. But as a motorcycle rider in Texas, not only do you need insurance – you need the right insurance. That means coverage for liability, property damage and uninsured motorists (UM).
You can get your policy from the same insurance carrier as your auto, or you can do it separately. There are advantages and disadvantages to both. If you bought your insurance with a few clicks on a website, rather than by having an agent who understands your unique needs, you might have saved a few bucks in the short term….but it might cost you big time if you have a crash.
Some things to consider:
- If you have “regular access” to your motorcycle – you are legally required to have insurance. Kind of like how you are legally required to carry a policy on every car in your garage. Insurance companies won’t cover injury or uninsured motorist’s claims on your bike if you don’t have coverage.
- The average cost of a medical ambulance helicopter ride in Texas is $25,000. And that only gets you to the hospital’s door. It doesn’t include one stitch of actual hospital care. You think being laid up for a few days or weeks with serious injuries is gonna be anything other than crazy-expensive? Do you have the kind of insurance and enough insurance to cover hundreds of thousands (or millions) in medical and rehab costs?
- One in 8 drivers in Texas don’t have insurance. DID YOU READ THIS? Do you like your chances with the yahoos out there texting while going 85 MPH on the interstate? Uninsured and underinsured motorist coverage helps keep a bad situation from getting worse. What about the cager who won’t or can’t pay? This is where UM protects your ass.
- Don’t be penny wise and pound foolish. The cost difference between a minimum policy and top-of the-line-coverage is often only dollars a month. But, the difference between $30,000 in coverage and $500,000 in coverage could be life changing if needed. Especially, if facing hundreds of thousands of dollars in medical bills or lost wages
- Worried yet? Well, don’t be. Click the button below to schedule a Free Insurance Review, and we’ll make sure you are covered. Because the best time to make sure you are covered, is BEFORE you ever get in a wreck.
- Every single day, all of us at BikerLawyer.com fight insurance companies to get maximum recovery for our clients. Let us use our years of experience to help you to make sure you have the insurance coverage you need.