As soon as I open a personal injury claim for a motorcycle crash, I request my client’s surgery bills and records. Those records, and her corresponding medical bills, give me a big bat to immediately swing at the insurance companies. I want to show to all the insurance companies that my client’s injury claim is not the norm and is not small. The most effective way to do that is to present her medical records and bills quickly. After all, they back up what I am telling them through independent, medical providers.
Note: This page is a continuation of a detailed explanation of how I handle motorcycle accident claims. There are several other pages you may want to review prior to reading further:
- Understanding Kentucky Motorcycle Accident Claims
- The Purpose of a Letter of Representation in a Motorcycle Accident Claim
- Reserving No-Fault Benefits After a Motorcycle Wreck
Make no mistake, most motorcycle accidents result in serious injuries for the motorcyclist and the passenger. These can range from “road rash,” broken bones, brain injuries to unfortunately, death. The medical bills will begin piling up quickly. This puts a lot of pressure on the motorcyclist and his/her family. I’ve handled motorcycle accident claims for 30 years. I understand how devastating the situation can be.
The insurance companies are strong negotiators. They know the longer they delay, the higher the pressure mounts. This tactic may force the injured motorcyclist to consider accepting an undervalued settlement offer. So, as an attorney, I want to do what I can to expedite the claim by presenting the relevant information, namely the motorcycle crash medical records and bills. They are proof of the extent of my client’s injuries.
If the medical bills are high enough, they may have already reached or surpassed the at-fault driver’s policy limits. This is the total amount of insurance coverage he/she had at the time of the collision. In some cases, the insurance company may agree to settle for their policy limits. Does this mean my work is done? No. I still want to identify other potential sources of insurance coverage and negotiate reductions from the hospital, physicians and other parties. I want to find every possible way to leverage the motorcycle crash medical records and bills when negotiating on behalf of my client.
By the way, here’s a brief video discussing how you can take steps to protect yourself, as a motorcyclist.
Now, proceed my page on the topic of Sending Early Demand Letters to continue with my example and how it relates to Kentucky motorcycle accident claims.