Alta Motorcycle Accident Injury Attorneys

Motorcycle injury attorneys serve as dedicated advocates for riders when tragedy strikes. Their expertise in motorcycle accidents enables them to manage legal challenges and secure justice and compensation for injured riders.

Is it Always Necessary to Seek Medical Treatment After a Minor Motorcycle Accident?

If you've been involved in a minor motorcycle accident, you might wonder if it's necessary to seek medical treatment. At Walker, Billingsley & Bair, while we are not medical professionals, our extensive experience with motorcycle accident claims has shown us that serious injuries may not always be immediately apparent.

The Importance of Immediate Medical Attention

Adrenaline can mask pain, making it possible to overlook injuries immediately after the accident. Serious issues like internal bleeding, concussions, or hairline fractures may not reveal themselves right away. Visiting an emergency room or urgent care clinic for an evaluation, including an x-ray, CT scan, or MRI, can help rule out these conditions and allow you to start treatment before any permanent damage occurs.

It’s also common for pain to present itself hours or even a day later. Consulting a doctor can help you manage potential discomfort with their recommendations for over-the-counter or prescription medications.

Filing a Motorcycle Accident Claim as a Passenger

Your Rights as a Passenger

If you are injured as a passenger on a friend’s motorcycle, you have the right to file an injury claim against the at-fault party. This could be under the motorcyclist’s insurance policy or against another party, such as the driver of a passenger vehicle. The determining factor is who was at fault for the accident and the type of coverage available.

Understanding Iowa's Minimum Motorcycle Insurance Requirements

In Iowa, motorcyclists must carry a minimum insurance coverage of $20,000 in bodily injury liability for one person, $40,000 for all injuries in one accident, and $15,000 for property damage. Often, motorcyclists and motorists carry higher coverage. Some may also have medical payments coverage, which pays for medical care costs regardless of fault.

When Insurance Coverage is Insufficient

Sometimes, the at-fault party’s insurance coverage isn’t enough to cover all damages. For example, if a driver with minimum coverage causes an accident that injures both the motorcyclist and the passenger, the available coverage might not suffice. In such cases, you may need to file a lawsuit against the at-fault party to seek additional compensation.

Recoverable Damages for Passengers

As an injured passenger, you may recover costs associated with medical care, hospital stays, and lost wages. Additional damages might include pain and suffering, disability, and emotional distress. Consulting with an attorney can help you understand the full range of compensation available to you.

How to File a Motorcycle Accident Claim in Iowa

Steps to Successfully File a Claim

1. Seek Medical Attention and Save Records:
   After a motorcycle accident, prioritize seeking medical attention. Gather all documentation related to your medical care, as you will need this to provide proof of your injuries and expenses when filing a claim.

2. Review Your Policy:
   Review your motorcycle insurance policy as soon as possible. Understand the extent of your coverage and whether you might be entitled to more compensation based on the types of coverage you hold.

3. File in Time:
   Notify your insurance company of the accident immediately. File your claim promptly to meet any stipulated time requirements and avoid a denied claim. For personal injury lawsuits, Iowa Code 614.1 provides a two-year statute of limitations.

4. Contact an Attorney:
   An attorney can guide you through the process of filing your claim, ensuring you receive all the benefits and compensation you deserve. If a settlement cannot be reached, an attorney can represent you in court.

Benefits of Legal Representation

Having an attorney can significantly increase your chances of obtaining a higher compensation amount. They can handle all interactions with insurance companies, find applicable insurance policies, manage medical expenses, and provide experienced advice on the value of your case.

Consulting a Motorcycle Accident Attorney

The toll from severe motorcycle injuries can encompass substantial medical expenses and long-term care costs for victims and their families. Lost wages may compound matters, especially if employment becomes unrealistic for an extended period. Getting help from a motorcycle accident attorney allows the pursuit of comprehensive compensation, from financial damages and emotional distress such as pain and suffering.

Victims of these accidents should seek consultation with a motorcycle accident attorney, as damages may be extensive and recovery of compensation is important.

At Walker, Billingsley & Bair, our motorcycle accident attorneys can represent you in dealings with your insurance company, or when filing a personal injury claim. Set up your consultation now by calling 641-792-3595.