You may have heard that there is a common perception that the insurance company is biased against motorcyclists. Any bias will stem from the insurance company’s financial interest. They know that motorcyclists are often more seriously injured than other types of personal injury claimants, and it could cause them to have to pay more money. Thus, the insurance company may go into overdrive to try to get the upper hand over you in the legal process, and it is crucial that you avoid playing into their hands by saying anything that could compromise your case.
Even though you may be dealing with physical injuries, it may not stop the insurance adjuster from trying to contact you to discuss the accident. They have been assigned the case and want to start working to protect their employer from liability. It does not matter to them that you are in a compromised state. When the insurance adjuster wants to talk to you, they will reach out to have a conversation.
You Do Not Have to Speak with the Insurance Company About Your Accident
If you are wondering what to avoid saying to the insurance company, the answer should be that you should not speak to them at all. You have no legal obligation to have a conversation with the insurance company. Even though you may think that you are having an informal conversation with the adjuster, everything is formal in the sense that they can use any of your words against you later in time. The insurance company may lay the groundwork to either contest your claim entirely or reduce the amount of money they offer you in a settlement agreement.
Do Not Speak About the Accident Itself
The insurance company may want to ask you for details about the accident. You should never discuss what happened with them. Anything that you say can be used against you. The insurance company may be looking for a way to blame you for the accident, and they can use any statement you make and potentially take it out of context. You may be blamed based on something you said when it was not what you intended.
Do Not Speak About Your Health Condition
The insurance adjuster may ask you how you are doing. They are not asking this question because they are legitimately concerned about you. They want as much information as possible about your health condition. When you do submit a claim, the insurance company will compare what you have included in the file with what you told them after the accident.
Only Have a Motorcycle Accident Lawyer Speaking for You
The way to avoid being trapped by the insurance company is to not speak to them yourself. The only way that you should communicate with the insurance company is through a motorcycle accident lawyer.
If the insurance company tries to reach out to you when a motorcycle accident lawyer already represents you, you only need to refer them to your lawyer. You should be polite and not argue with the adjuster, but you should also not speak to them about the accident or your health.
Contact a Montgomery County Motorcycle Accident Lawyer at Bikers Have Rights for Help with Your Claim
If you have been injured in a motorcycle crash, call a Montgomery County motorcycle accident lawyer at Bikers Have Rights. You can schedule a free initial consultation with a lawyer by calling us today at 215-525-1616 or 877-333-0300 or by contacting us online. Located in Plymouth Meeting, Pennsylvania, we serve injured motorcyclists throughout Pennsylvania and New Jersey.