If you are a motorcycle rider, it is important to know how to file an insurance claim after a crash. Motorcycle accidents can be very serious, and it is crucial to have the right insurance in order to cover medical expenses, property damage, and other costs.
If you are a motorcycle accident victim and are unsure how to proceed with the insurance claims process, contact The Fran Haasch Law Group. We’ll walk through your case with you and help file your claim.
What is Motorcycle Insurance?
Motorcycle insurance is a type of liability coverage that protects you from paying out of pocket for damages related to a motorcycle accident.
What Motorcycle Insurance Covers
Motorcycle insurance typically covers the following damages:
- Medical expenses
- Property damage
- Liability for injuries to others
- Uninsured/underinsured motorist coverage
Types of Motorcycle Insurance
There are three main types of motorcycle insurance: liability, comprehensive, and collision.
- Liability Coverage covers you if you are at fault for an accident. It will help pay for damages to the other person’s bike, property, and medical expenses.
- Comprehensive Coverage covers you for damage to your bike caused by things other than collisions. This includes things like vandalism, theft, and fire.
- Collision Coverage is for damage to your bike caused by a crash with another vehicle or object (like a tree). It does not cover damages to the other person’s property or medical expenses.
- Uninsured Motorist Coverage protects the rider by paying for damage and injuries caused by an uninsured or underinsured driver.
What to Do After a Motorcycle Accident in Florida
If you are involved in a motorcycle crash, there are a few things you should do:
- Make sure everyone is okay and call 911 if necessary.
- Gather evidence at the scene of the accident. This includes taking photos of the damages, gathering witness statements, and writing down any other important information.
- Contact an attorney. An experienced lawyer can help you navigate the insurance claims process and may be able to get you more money than you would receive on your own.
If you have been injured in a motorcycle accident, do not hesitate to contact the personal injury team at The Fran Haasch Law Group.
Filing an Insurance Claim After a Motorcycle Accident
If you’ve been involved in a motorcycle accident, then it is important to file a motorcycle accident insurance claim as soon as possible. The longer you wait to report the crash, the harder it will be for your attorney to get you the compensation that you deserve.
In Florida, there are two types of insurance claims that you can file after a motorcycle accident:
Property Damage Claims
A property damage claim is used to cover damages to your motorcycle and other vehicles involved in the accident. If you were not at fault for the crash, then this type of insurance claim can be used to get compensation from the person responsible (usually their automobile insurance company).
Personal Injury Claims
A personal injury claim is used to cover damages related to your physical and emotional injuries, such as medical bills and lost wages. If you were not at fault for the crash, then this type of insurance claim can be used to get compensation from the person responsible (usually their automobile insurance company).
If you are unsure which type of claim you should file after a motorcycle accident, then contact an attorney for help.
Statute of Limitations in Florida
The statute of limitations is two years for personal injury claims and for property damage claims in Florida. This means that you will have to file a claim within two years of the date on which your accident occurred.
If you do not file an insurance claim within this time frame, you may be unable to collect any compensation from the other driver’s insurance company.
Motorcycle Insurance Claims Process in Florida
Now that you know the basics of motorcycle collisions and insurance in Florida, let’s walk through the process of filing a claim.
- Report the accident to your own insurance company. You should have already purchased a policy before riding, so your insurance company will have all the necessary information about you and your bike.
- Once you have reported the accident, your insurance company will send an insurance claims adjuster to assess the damages. Insurance adjusters determine who is at fault for the accident and how much money should be paid for damages.
- If you are at fault for the accident, you may have to pay out of pocket for any expenses not covered by your insurance policy.
- If you are not at fault, the other driver’s insurance company pays for your damages. However, you may still have to go through your insurance company to cover medical expenses and property damage.
It is important to remember that the process of filing a motorcycle accident claim can be complicated. If you are not sure what to do, it is best to consult with an attorney.
What If You Are At Fault?
If you are at fault for a motorcycle accident, you may be liable for damages related to the crash. This includes medical expenses, property damage, and other costs.
In Florida, the person at fault in a traffic accident is responsible for any damages related to the crash. This means that you may have to pay for the other driver’s medical expenses, property damages, and other costs.
If you are at fault for a motorcycle accident, you should contact an attorney immediately. Your attorney can help you determine your liability in the crash and work to get you the best possible outcome in a court of law.
Preparing for a Motorcycle Accident Insurance Claim
To prepare for your motorcycle claim, it is important to gather any evidence that you can after your accident or at the accident scene. This includes names and contact information for witnesses, photographs of the scene, and medical records related to your personal injuries.
You should also make sure that you get the name and insurance policy number of the other driver involved in your crash before leaving the scene.
If you were injured in the accident, then you should seek medical attention as soon as possible. It is important to get a thorough examination and diagnosis of your injuries to be documented by a professional.
Should I Contact a Motorcycle Accident Lawyer?
If you are injured in a motorcycle accident, then it is best to contact an attorney as soon as possible. Your lawyer can help you file a motorcycle insurance claim and ensure that you receive compensation for your injuries. You should also consult with a legal representative if you are at fault for a motorcycle accident, as you may be liable for damages related to the crash.
If you have any other questions about motorcycle accident claims and insurance in Florida, please contact our office today. We would be happy to answer any of your questions and help you get started on the road to recovery.
Motorcycle Insurance: Frequently Asked Questions
Do You Have to Declare Motorcycle Claims on Car Insurance?
Yes. It is a legal requirement that you declare all claims to your car insurer, including those on your motorcycle policy. You may also be required to declare any convictions or speeding tickets from the past five years when applying for cover.
Why Do I Have to Pay an Excess When Making a Claim?
An insurance company will usually insist that you pay a portion of the cost for any repairs or replacement items. This is because it costs them money to process claims, and they want you to share in some of that expense.
If I Make a Claim, Will My Premiums Go Up?
Yes. It’s unfortunate that if you make even just one claim on your insurance policy, your premiums are likely to go up. This is because the insurance company will see you as a higher-risk customer and charge you more for coverage.
What Happens If I Don’t Have Motorcycle Insurance?
If you don’t have motorcycle insurance, then you may be liable for damages related to the accident. Unfortunately, this means that you will have to pay out of pocket for medical expenses, property damage, and other costs.
Contact The Fran Haasch Law Group Today
If you have been injured in a motor accident and wish to seek compensation for your damages, don’t hesitate to contact The Fran Haasch Law Group to help you with your motorcycle accident case. We can help you file a personal injury claim and get the compensation you deserve for your injuries.