Nashua Motorcycle Accident Injury Attorneys

When calamity hits, motorcycle injury attorneys act as steadfast champions for riders. Specializing in motorcycle accidents, they navigate legal challenges to ensure justice and compensation for injured riders.

How to File a Claim After a Motorcycle Accident in Iowa

Filing a claim after a motorcycle accident in Iowa involves several critical steps. To ensure you receive the compensation you're entitled to, you must establish injury or property loss, adhere to the statute of limitations, and consider hiring a lawyer. Follow these guidelines to navigate the claims process successfully.

Seek Medical Attention and Save Records

If you are injured in a motorcycle accident, the first and most crucial step is to seek immediate medical attention. Ensure you document all aspects of your medical care. When filing your claim with the insurance company, you'll need to provide proof of your injuries and related expenses. Keep all medical records, receipts, and any other relevant documentation.

Review Your Insurance Policy

In Iowa, motorcyclists are required to carry proof of financial responsibility, usually in the form of motorcycle insurance. Review your policy as soon as possible after an accident. Basic coverage might not be sufficient, especially if you were at fault. However, if you have additional coverage, like medical payments coverage, you could be eligible for more compensation regardless of fault.

File Your Claim Promptly

Notify your insurance company about the accident immediately and file your claim as soon as possible. Delaying this can result in a denied claim due to missed deadlines. If you need to file a personal injury lawsuit to recover damages, Iowa Code 614.1 stipulates a two-year statute of limitations.

Why Are Motorcycle Crashes on the Rise?

Over the past decade, there has been an increase in motorcycle injuries and fatalities on Iowa's roads. August is particularly dangerous for motorcyclists. Despite motorcycles accounting for less than 1% of all vehicle miles, they represent a significant proportion of crashes, with 14% of fatalities and 16% of severe injuries involving motorcyclists each year in Iowa. 

Motorcyclists are inherently more vulnerable due to the lack of protection. Following a crash, it’s important to know how to deal with medical providers and insurance companies effectively.

Protecting Yourself and Your Claim

1. Seek Immediate Medical Treatment: Go to the emergency room or see your doctor immediately if you're injured. Delaying treatment can worsen your injuries and harm your claim. Report all injuries and pain to your healthcare providers.

2. Avoid Rushing to Settle: Insurance companies may offer a quick settlement, but accepting it could mean paying out-of-pocket for future medical expenses. Consult with an attorney before agreeing to any settlement.

3. Don’t Give Recorded Statements: Avoid providing recorded statements to insurance adjusters or signing any forms without legal advice. These can be used against you later.

4. Keep Documentation: Save all records related to the accident, including work excuses, lost pay verification, medical bills, and police reports. Document your daily pain and limitations in a journal.

5. Never Exaggerate Injuries: Be honest about your injuries. Exaggerating can damage your credibility and your case.

6. Consult an Experienced Attorney: An injury attorney can defend your rights and help you navigate the complex claims process. Before considering a settlement, get legal advice to understand your rights and potential recoveries.

Recovering Compensation for Disfiguring Injuries

Motorcycling is risky, and accidents can lead to severe or disfiguring injuries. Even with complete insurance coverage, you may need to file a third-party liability claim if another driver caused your accident. It’s vital to talk to an attorney as soon as possible.

Types of Compensation Available:

- Medical Bills: Coverage for current and future medical expenses, including hospitalization and long-term care.
- Lost Earnings: Compensation for lost wages due to the inability to work.
- Pain and Suffering: Compensation for physical pain and emotional distress.
- Long-Term Care: Expenses for hiring caregivers and physical therapy.
- Emotional Distress: Compensation for emotional impact, especially in cases of severe scarring or amputation.

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.