When you’re involved in a motorcycle accident, one of the first questions you might ask yourself is: “Will my insurance cover this?” While insurance can provide initial relief, relying solely on it may leave you underprotected, undercompensated, and without legal support.
Here’s why hiring a lawyer who specializes in motorcycle accidents isn’t just advisable — it’s essential.
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Insurance Adjusters Work for the Company — Not for You
After an accident, an adjuster might contact you quickly and seem helpful. But don’t forget: their loyalty is to the insurance company. Their job is to minimize your payout — not to ensure fairness.
They may:
- Offer a quick settlement before the full extent of your injuries is known
- Downplay your medical expenses
- Pressure you into giving recorded statements that can later be used against you
A specialized attorney knows these tactics and will protect your rights from the very beginning.
Insurance Doesn’t Cover Everything You’re Entitled To
Insurance policies are often limited. They usually only cover:
- Immediate medical expenses
- Property damage (e.g., your motorcycle)
But what about:
- Long-term medical treatment?
- Lost wages?
- Reduced earning capacity?
- Pain and suffering?
Without legal guidance, many victims don’t understand the full value of their claim. A lawyer calculates all your damages — both current and future — and fights to get the maximum compensation.
With 30 years of experience winning top settlements, we know how to deal with insurance companies and the legal system. You’re in the best hands with us.
Motorcycle Accidents Often Cause Severe Injuries
Motorcyclists lack the structural protection of a car. As a result, crashes often lead to serious injuries like:
- Broken bones
- Burns and deep cuts
- Spinal cord injuries
- Traumatic brain injuries
These can lead to:
- Long-term rehabilitation
- Permanent disability
- Ongoing medical costs
An attorney will document all your damages and work with medical experts to strengthen your case.
Insurance Companies Use Delay Tactics
Many insurers intentionally drag out the process hoping you will:
- Accept a lowball offer
- Get frustrated and give up
- Miss important legal deadlines
An attorney knows how to counter these tactics, apply legal pressure, and move your case forward under state law.
Proving Fault Can Be Complicated
Don’t assume the other driver will automatically be found at fault. Insurance companies frequently try to:
- Shift part of the blame onto you
- Deny responsibility
Without legal support, gathering the evidence you need can be difficult. A lawyer has the resources to obtain:
- Traffic camera footage
- Witness statements
- Police reports
- Accident reconstruction expert analysis
This is key to proving what really happened and maximizing your compensation.
You Don’t Have to Pay Anything Upfront
Most motorcycle accident lawyers work on a contingency fee basis. This means:
- You pay nothing upfront
- They only get paid if they win your case
There’s no financial risk — but there’s a lot you could gain.
Peace of Mind While You Focus on Healing
After an accident, your priority should be healing — not dealing with phone calls, paperwork, or legal stress. A lawyer handles:
- Negotiations with insurers
- Gathering evidence
- Filing legal paperwork
- Court representation if needed
That way, you can focus on your health while a professional fights for your best interests.
FAQ
Yes, although it may affect the compensation amount. Speak with a lawyer to evaluate your specific case.
New York follows a “comparative negligence” rule, meaning you can still receive compensation even if you were partly responsible.
In New York, you generally have up to 3 years to file a personal injury claim. The sooner you act, the better your chances of success.
