How to Work With Your Insurance Company After a Motorcycle Accident in NJ

A motorcycle accident is very stressful, but things can become even more frustrating when it comes to working with the insurance company if you have never done so in the past.  Motorcycle accidents in NJ do not have to cause you a ton of stress if you know how to work with the insurance company.  We will provide you with some tips in today’s post.  If you sustain a serious personal injury, you should contact a lawyer as soon as possible, even if you believe the accident may have been your fault.  A motorcycle’s design can sometimes add to the personal injuries sustained in an accident, and if a court determines it was not sufficiently “crashworthy,” you might be entitled to recover for any “enhanced” injuries you sustain.  A vehicle’s “crashworthiness” can be an important factor in protecting you from personal injuries, as can the “crashworthiness” of any protective gear you may be wearing, such as your motorcycle helmet.

Limit Who You Talk To

If you are involved in a motorcycle accident, it is imperative that you limit who you speak to following the accident.  Never admit fault, even if the accident was your fault.  Also, do not speak with witnesses or the other party involved once you leave the accident scene.  If anyone wants to speak with you about the accident, send them to your lawyer if you have one, or to your insurance company, if there is no personal injury involved.  Do not try to play the role of investigator or police officer either.

Do Not Discuss Injuries

Never walk around the accident scene saying that you are ok because even such a simple statement could come back to haunt you in the near future.  If paramedics are called to the scene, make sure they evaluate you for any injuries, even if you feel fine.  Do not talk to your insurance company about any injuries that have been diagnosed.  Instead, let your doctor or treating hospital take care of that for you.  And again, if you sustain a serious personal injury, you should contact an attorney as soon as possible.

Fault is Important

As we mentioned earlier, fault is very important when speaking to an insurance company.  So, be sure not to say anything to the insurance company that could be misconstrued into you admitting fault in the accident, even if you were the victim.  This could compromise your ability to recover damages, in the event you later discover you do have a valid claim.