Don't discuss your accident or injuries with anyone, except your doctor and your assigned property damage adjuster. Most importantly, don't give any written or recorded statements to anyone, especially representatives from the insurance company.
Do speak to your assigned property damage adjuster for the insurance company regarding your motorcycle damage, car rental, storage, and towing costs. If they have not already done so, they will be contacting you in the next few days to arrange for the inspection of your motorcycle.
However, only speak with them regarding your property damage claim. Do not give a written or recorded statement to anyone. If your motorcycle has been towed and is being stored, lower the dollar amount of your damages by calling the storage yard to release it to the insurance company, or move it to a fee-free location.
Do follow your doctor's advice. Doing so can help you recover fully from your injuries. Make sure you tell your doctor everything about your injuries. Don’t exaggerate nor understate the extent of your pain or injuries.
Keep in mind that your doctor or nurse will write down in your medical chart everything you tell them regarding your complaints and injuries. If you do not tell them about all your injuries, they will not be noted in your records. This could present a problem if you or your attorney needs to verify a particular injury and you did not tell your doctor about all of your symptoms.
Do keep all your doctor's appointments. Any missed appointments may be considered a gap in treatment, which could reduce the value of your case.
Don't sign anything. Insurance companies sometimes offer a quick settlement and request that you sign a general release that states you give up your right to seek compensation in the future. We recommend that you consult with a motorcycle accident attorney for advice before signing any document that might affect your rights.
Do contact a motorcycle accident attorney immediately if the insurance company treats you unfairly. Some examples include:
- The insurance company does not return calls within a reasonable period of time
- The insurance company has not inspected your motorcycle
- The insurance company has failed to pay for your motorcycle repairs, rental expenses, aftermarket parts or other damaged personal property
- Your health insurance company has not paid all of your medical bills
Do keep track of medical bills and other expenses. Please maintain detailed and accurate records of all your accident-related expenses, including bills for doctors, hospitals, ambulance transportation, physical therapy, prescriptions, nursing, and household expenses.
Also keep track of what you spend on taxi fares, rental cars, repair estimates, and any other bills connected with your case. Save all bills and ask for receipts. Each bill may help to increase the value of your case.
Do make sure your health insurance pays for all your medical bills. Even though someone else may be at fault for your accident, you are still personally responsible for the payment of all of your medical bills until your case is settled or resolved.
As such, if you have health insurance, be sure to submit all of your medical bills to your health insurance company for payment. If necessary, consult with your doctors or health care providers to confirm that they have sent all your medical bills to your health insurance company. Any delay in doing so may affect coverage for the bills and render you personally responsible for paying them.
If you do not have private or public health insurance, please contact a customer service representative at your hospital or doctor's office to see if you are eligible for various federal, state, or private programs that are available to the public to assist in the paying of hospital charges.
In addition, Joseph Pinizzotto Attorney at Law can refer you to a doctor or medical specialist.
Do obtain and preserve the following documents and evidence:
- Photographs of you showing any visible injuries
- Photographs of damage to your motorcycle
- Your motorcycle repair estimate, including your deductible
- Your health Insurance card (front and back)
- Your motorcycle liability insurance declaration page
- The names, addresses, and phone numbers of any witnesses
- All medical, emergency room, hospital, and ambulance bills
- Any collection or late notices related to your case