Clarinda Motorcycle Accident Injury Attorneys

In the aftermath of a tragedy, motorcycle injury attorneys become unwavering champions for riders. With a focus on motorcycle accidents, they adeptly navigate the legal landscape to ensure justice and compensation for the injured.

Default May Not Be Enough: Explore Motorcycle Insurance Company Coverage

Iowa motorcyclists who don’t carry motorcycle insurance risk losing their licenses if pulled over, as mandated by the Iowa Financial and Safety Responsibility Act. Additionally, without insurance, a biker can be held responsible for the full cost of all repairs and medical bills if at fault for an accident. To ensure a carefree riding experience, investigate what the motorcycle insurance company has to offer beyond bodily injury and property damage liability. Spending a little extra money on the front end could save you thousands later when you don’t have the means to make extra cash after a motorcycle crash. The following provides some optional vehicle coverage options worth considering.

Uninsured/Underinsured Motorist Coverage

While you may carry insurance, not all drivers do. If you’re in an accident caused by another driver, their insurance may not be enough to cover your injuries. Purchasing an uninsured/underinsured motorist coverage policy helps ensure that your damages are covered in such an event.

Comprehensive and Collision Coverage

- Comprehensive Coverage: Pays for damages that occur to your bike from non-collision events such as:
  - Flood
  - Fire
  - Vandalism
- Collision Coverage: Helps cover the cost of repairs if you’re involved in an accident caused by colliding with another object, not another motor vehicle.

Medical Expense Coverage

This type of coverage is highly valuable as it will pay for the medical expenses of both you and your passengers in the event of an accident, regardless of who caused the motorcycle wreck.

Roadside Assistance Coverage

Roadside assistance coverage provides free towing if you have an accident, run out of gas, or experience a breakdown. It pairs well with excursion diversion insurance (interrupted trip insurance), which offers lodging, food, and transportation if an accident occurs more than 100 miles from your home. Following a pre-ride checklist for bikers can help reduce the need for roadside assistance.

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

After a motorcycle accident, even a minor one, it is crucial to seek medical treatment immediately. Serious injuries may not reveal themselves right away due to adrenaline masking the pain. Issues like internal bleeding, concussions, or hairline fractures can occur without visible damage. Requesting diagnostic tests like x-rays, CT scans, or MRIs can help rule out bigger problems and allow for early treatment to prevent permanent damage. Pain can present itself hours or even a day later, so getting a doctor’s instructions on managing soreness with appropriate medications is important.

Why Are Motorcycle Crashes on the Rise?

In the past decade, motorcycle injuries and fatalities have increased. August is particularly dangerous for motorcycle riders. Although motorcycles account for less than 1% of all vehicle miles in Iowa, they make up a significantly larger percentage of crashes, with 14% of fatalities and 16% of severe injuries each year. The vulnerability of motorcyclists on the road underscores the importance of taking protective measures and seeking good advice post-accident.

How to Protect Yourself and Your Claim

1. Seek Treatment Immediately: Go to the emergency room or your doctor immediately if injured. Delaying treatment can worsen injuries and affect your claim.
2. Don’t Rush to Settle: Insurance companies may offer quick settlements that seem tempting. However, signing a release means giving up your rights and possibly covering medical costs out of pocket.
3. Don’t Give a Recorded Statement or Sign Anything: Insurance adjusters may use your statements against you. Avoid giving recorded statements or signing forms that grant access to unrelated information.
4. Documentation: Keep copies of all relevant documents, including work excuses, medical bills, police reports, and a daily journal of your condition.
5. Never Exaggerate Your Injuries: Provide accurate information to your medical providers. Exaggerating injuries can damage your case.
6. Consult an Experienced Attorney: Before considering a settlement, consult with a qualified injury attorney to understand your rights and potential recovery sources.

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.