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[M202]Man Killed In Motorcycle Accident

by Chris7 Johnson7, Chr

When it comes to getting the right compensation for motorcycle accidents from the insurance companies, most average Joes would prefer to just take whatever the insurance company offers. Most of us do not like to take it further because we think that it involves too much of a trouble and a lot of time. One of the reasons for our hesitation is also due to our lack of confidence in facing the insurance companies that try to bog us down with their terms and conditions.

However, we must be aware that insurance companies prefer such typical average response because it is to their advantage. With such a response, they can get rid of us with minimum settlement possible. What they give will never match the injury and loss that we have suffered. At times, motorcyclists suffer highly serious injuries, which can handicap them for life reducing their earning capacity. In such scenarios, we should get a just compensation that will justify the loss suffered.

Often what is thought to be a nightmare need not be so in reality when you hire an experienced motorcycle accident lawyer. Though there will be a considerable amount of delay from the insurance company because of the many loopholes in the settlement filing in case of motorcycle accidents which the insurance company will try to exploit, with the help of the right motorcycle lawyer we will be able to get good accident injury compensation. When your motorcycle accident lawyer presents a proper claim report to the insurance company, the insurance company will understand that they cannot take advantage of your ignorance. This will also increase the pace of the entire process in getting your settlement fast.

When you want to get a decent settlement amount, your role too is highly important. You should have followed all the prerequisites, which will make it easy for your lawyer to present the damage claim. You should make sure to get the police report of the accident without which there is no way of getting your compensation. You should not delay in reporting the accident to the police to make it a valid complaint; it should be done within a stipulated time. If it is done fast there is a possibility of getting photographic evidence of the accident scene. When you have evidence of the accident in the form of photos, the insurance company will not be able to dilute the seriousness of the injury and the damage caused.

As you can guess, the settlement amount will be decided only based on the seriousness of the damage caused. Therefore, you must do everything within your limits to present the actual loss in a convincing way. Moreover, it is also important that you have proper insurance covers. Proving the identity of the offender is highly crucial for the speedy disbursal of the settlement. Settlements in hit and run cases will be little more time consuming when compared to proven identity cases.

All three motorcyclists suffered a serious leg fracture requiring surgery; All three were injured because someone else was 100% at fault; In each of the accidents, the person who was at fault had minimum insurance liability limits of $25,000; All three motorcyclists had minimum insurance liability limits of $25,000 without underinsured insurance coverage; All three motorcyclists could only collect $25,000; All three motorcyclists could have been compensated for their injury in an amount of several hundred thousand dollars.

I have several tools available in my law practice to uncover all available insurance coverage and assets to compensate my clients. For instance, I use a service which can find additional insurance policies and excess insurance policies ot blanket liability insurance. I also use an investigative database which can locate real estate and other assets anywhere in the country which are owned by the person responsible for causing the accident.

When the person who causes the accident has an insurance policy with $100,000 or $300,000 liability limits, there is a good chance that I can find a $1,000,000 blanket liability policy, if one exists, even though the insurance companies are not always forthcoming about blanket liability policies. The problem is that people who have a minimum liability insurance policy almost always have little or no assets and no other insurance policies.

If you are seriously hurt in a motorcycle accident, you will probably be out of work for several months and may not even be able to continue your present line of work. You may not be able to pay your rent or mortgage payments and other bills. Hospital and medical bills for injuries sustained in a motorcycle accident often range from $35,000-$50,000 and more. It can be financially devastating if you are single. If you are married and have a child, your entire family will suffer.

Motorcyclists know that they are constantly in danger of drivers who don't pay attention to motorcycles. If you ride a motorcycle, you must protect yourself from financial ruin. Fortunately, you can adequately protect yourself from someone else's negligence for very little money by purchasing an insurance policy with underinsured and uninsured coverage of $300,000.

An online quote with nationally known insurance company for a 35-year-old male with a 2001 Harley XL 1200S Sportster showed that the cost to increase insurance coverage from $25,000 to a $300,000 liability policy with $300,000 uninsured/underinsured coverage is only $31.91 per month extra (depending upon your geographic location, personal history, and other conditions, your extra premium could be less or more).

This means that for an extra $383 per year, my three clients could have obtained an additional $275,000.

You may think this will never happen to you, but unfortunately I see it all the time. Please call your motorcycle insurance agent today and increase your motorcycle liability and uninsured/underinsured coverage to at least $300,000.

Article Source : Pg. 15

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Both Chris7 Johnson7 & Philip L. Franckel, Esq. are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Chris7 Johnson7 has sinced written about articles on various topics from Motorola Cell Phone, web development and Motorola Cell Phone. Chris Johnson is author of this article on . Find more information about. Chris7 Johnson7's top article generates over 2900 views. to your Favourites.

Philip L. Franckel, Esq. has sinced written about articles on various topics from Auto Insurance, Criminal Defense Law and Sports Car. Philip L. Franckel, Esq. is a lawyer who represents people injured in motorcycle accidents. You can find a at HURT911Biker.com.. Philip L. Franckel, Esq.'s top article generates over 1600 views. to your Favourites.