Getting into a motorcycle accident can be scary and overwhelming. You may have many questions, including whether or not you should talk to the insurance company. While it is important to remember that you do not have to talk to them if you don’t want to, talking to the insurance company may be beneficial in certain situations. Here are some things to consider before deciding whether or not you should talk with the insurance company about your motorcycle accident.
What Insurance Companies Do
Insurance companies exist for one purpose—to make money. Their goal is to pay out as little as possible on claims while still keeping customers satisfied enough so they will renew their policies. This means that when an accident happens, they will likely ask a lot of questions and try hard to find ways that they do not need to pay out anything at all. It is important for injured individuals to understand this dynamic when considering whether or not it is worth it for them to talk with the insurance company after their motorcycle accident.
When Talking With the Insurance Company Is Beneficial
There are certain circumstances in which it can be beneficial for injured individuals to talk with the insurance company after their motorcycle accident. If your medical bills are piling up and you need financial assistance, talking with the insurance company can help get those bills paid quickly—even though they will likely offer less than what you actually deserve.
Talking with the insurance company may help speed up the process of getting a settlement check from them, as long as you don’t give away too much information or admit fault in any way.
When Talking With the Insurance Company Is Not Beneficial
In some cases, talking with the insurance company can actually be detrimental and put injured individuals at risk of losing out on compensation that they truly deserve. If there is any question of who was at fault for the accident, then it is best not to talk with them until after consulting a lawyer who can protect your rights and ensure that you receive fair compensation for your injuries and damages sustained in the accident.
If someone else was involved in an accident and has filed a lawsuit against you, then it is best not to speak with anyone from an insurance company without having an attorney present first.
Final Thoughts
Injured people who have been involved in a motorcycle accident must make decisions quickly about how best handle their situation moving forward—including whether or not they should talk with the insurance company about their claim. While speaking with them may be beneficial in certain circumstances (such as needing financial assistance), in other cases doing so may put an individual at risk of losing out on compensation that they truly deserve due to admitting fault or giving away too much information during conversations with representatives from an insurance company.
As such, it is always recommended that injured people consult a lawyer before speaking with any representatives from an insurance company following their motorcycle accidents so that their rights are protected throughout every step of this difficult process.
