Posted on October 30, 2009 in Personal Injury
The fact of motorcycle life is there are two kinds of motorcycle riders – those who have fallen and those who will fall. Motorcycle accidents are often not the fault of the operator. Bikers will often tell you that once an accident has happened, you have to recover, and get up and riding again.
A great first step is to be proactive in your motorcycle insurance selection. The choice to join the motorcycle world means that a responsible rider will choose an insurance firm and broker who have expertise in insuring motorcycles. Get multiple quotes and compare insurance policies. Second they should select the right kind of insurance for the motorcycle they will ride. There are differences in the different types of bikes. Will you be riding a veteran, vintage, supersport, or classic cycle? These motorcycles require “riders” to a standard motorcycle insurance policy. If you have chosen a fully loaded touring motorcycle, you may want to spend a bit more money and obtain a full coverage motorcycle insurance policy. Third you should document all unique features of your motorcycle so that it will be readily available in the event it will be needed to make a claim.
So what happens if you have been in a motorcycle accident? Insurance companies move at different speeds. There are some companies for whom motorcycle insurance is not their primary business so their processing times are slower. However there are some things you can do to speed up the processing of your claim with any insurance company. The truth is you need to retain the services of an experienced motorcycle accident attorney. You should have documents that indicate the value of your motorcycle and any customization or aftermarket enhancements you may have done.
You may need to have valuations of your motorcycle prepared by experts in the motorcycle community including the dealer you purchased it from and any qualified professionals who may have enhanced it. If the bike is totaled the insurance company will retain their own experts to assess the reimbursement value. Your supporting documentation may be able to assist you in getting the full value.
You need to know will your insurance company pay for a rental bike during the interim. The best thing you can do is ensure that your attorney is experienced in motorcycle claims so that you can gain the benefit of the best legal advice.
As motorcycle accident attorneys in Pennsylvania and New Jersey, Messa & Associates has the experience and skill to get the attention of those who should take responsibility for the damage caused to your vehicle and your life. Our attorneys take cases all over Pennsylvania, New Jersey, and their neighboring states. Call toll free at 1-866-403-4529 to set up a free consultation with a Philadelphia motorcycle accident lawyer.
Pennsylvania Motorcycle Accident LawyersMessa & Associates
123 South 22nd Street
Philadelphia, PA 19103
Phone: (866) 403-4529
New Jersey Motorcycle Accident Attorneys
Messa & Associates
2091 Springdale Road, Suite 2
Cherry Hill, NJ 08003
Phone: (856) 810-9500