Greenfield Motorcycle Accident Injury Attorneys

When accidents happen, motorcycle injury lawyers act as unwavering champions for riders. Their expertise in motorcycle accidents allows them to handle legal challenges and secure justice and compensation for the injured.

How to File a Claim After a Motorcycle Accident in Iowa

Filing a claim after a motorcycle accident in Iowa involves several critical steps: establishing injury or property loss, adhering to the statute of limitations, and hiring a lawyer. Here’s a detailed guide from our established motorcycle accident law firm on how to successfully navigate this process.

Seek Medical Attention and Save Records

The first thing you should do after a motorcycle accident is to seek medical attention if you were injured. It’s essential to gather all relevant documentation related to your medical care. When you file your claim with the insurance company, you’ll need to provide proof of your injuries and expenses. 

Review Your Insurance Policy

Motorcyclists in Iowa are required to carry proof of financial responsibility, typically in the form of motorcycle insurance. Review your policy immediately after an accident. Often, default insurance coverage is not enough. If you were at fault for the accident and only have basic coverage, your policy will only pay up to that amount. If you have additional coverage types, like medical payments coverage, you may be entitled to more money regardless of fault.

File in Time

Notify your insurance company of your motorcycle accident as soon as possible, and file your claim promptly. Missing stipulated time requirements may result in a denied claim. If you need to file a personal injury lawsuit to recover damages, you have two years under Iowa Code 614.1.

Why is Iowa’s Motorcycle Death Rate 10 Times Higher than the National Average?

Motorcycles make up only 0.3% of all registered vehicles in Iowa, yet motorcycle deaths account for 16.7% of fatalities on Iowa roadways. In 2023, 63 out of 378 motor vehicle fatalities in Iowa were motorcycle-related. This means motorcycle riders are 55 times more likely than other drivers to be killed in a crash.

Does Wearing a Helmet Help?

Iowa is one of only three states without a helmet law, including for children. During a brief period when Iowa had a helmet law (September 1975 to July 1976), motorcycle deaths dropped by 40%. While helmet opponents argue that helmets limit visibility and hearing, wearing one can significantly reduce the risk of fatal injuries.

Reducing Risk: Training and Visibility

Training can help reduce risks associated with motorcycle riding. Basic courses teach the fundamentals, while advanced courses focus on situational awareness and evasive strategies. Riders can also increase visibility by wearing brightly colored safety vests, keeping headlights on, and using flags on their bikes.

Steps to Take After a Motorcycle Crash

1. Investigate the Cause: Determine if a defective part, a tire blowout, or road debris caused the crash.
2. Seek Good Advice: Consult with a lawyer to handle insurance claims, medical bills, and property damage.
3. Use Health Insurance: If available, use health insurance to cover medical costs and avoid billing issues with the other driver’s insurance.
4. Document Everything: Keep medical records, police reports, and a journal of how your injuries affect your daily life.

Tips for Dealing with Insurance Adjusters

1. Recorded Statements: Avoid giving recorded statements to insurance adjusters without legal advice.
2. Settlements: Don’t rush to settle. Consult a lawyer to ensure you get a fair settlement, especially for serious injuries.
3. Professional Help: Consider hiring an experienced Iowa injury attorney to negotiate with the insurance company on your behalf.

Default May Not Be Enough: Explore Motorcycle Insurance Coverage

Under the Iowa Financial and Safety Responsibility Act, motorcyclists must carry insurance. Without it, they risk losing their licenses and bearing the full cost of repairs and medical bills if at fault in an accident. Here are some additional coverage options worth considering:

Uninsured/Underinsured Motorist Coverage

This coverage helps ensure that your damages are paid if an accident is caused by a driver who lacks sufficient insurance.

Comprehensive and Collision Coverage

- Comprehensive: Covers damages from non-accident-related incidents like floods, fires, and vandalism.
- Collision: Covers repairs from collisions with objects other than vehicles.

Medical Expense Coverage

This coverage pays for medical expenses for both you and your passengers regardless of fault.

Roadside Assistance Coverage

Provides free towing, lodging, food, and transportation in case of an accident far from home.

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.