Lancaster Motorcycle Accident Insurance Claims
When a motorcyclist crashes, the injuries that follow can be devastating. Not only are the physical consequences of a broken bone or head injury traumatic, but the financial impact can be as well. Various types of insurance policies could help an injured motorcyclist cover these expenses. Unfortunately, it could be difficult to recover compensation from insurance companies.
If you or a loved one were injured in a motorcycle crash, your insurance policy could help you avoid financial hardship. If your carrier refuses to honor the policy or provide you with the benefits you are entitled to, you still have legal options. An experienced motorcycle accident attorney could help your case. A diligent attorney could help you file and handle your Lancaster motorcycle accident insurance claims.
Lancaster Motorcycle Insurance Requirements
State law requires that every driver certify that they are covered by auto liability insurance when they apply for a driver’s license. The only exception to this rule is for anyone applying for a license that does not own a vehicle.
Every motorcyclist must carry a minimum level of liability insurance coverage to comply with state law. While the state mandates minimum levels of coverage, many drivers opt for higher policy limits to protect themselves from lawsuits. These minimums include:
- $25,000 for bodily injuries incurred by a single person
- $50,000 for bodily injuries incurred by multiple people in one accident
- $25,000 for property damage in one accident
These limits apply to liability insurance only. Liability insurance protects motorists from claims brought by a third party following an accident. Liability insurance is only applicable when the insured driver is at fault in a crash. These policies only cover the other driver and do not provide compensation to the insured motorist.
While mandatory liability policies do not cover the insured driver, many voluntary policies will. These could include comprehensive or uninsured motorist coverage.
Filing a Claim in Lancaster
After an accident, an injured motorist must file a claim with an insurance company to recover benefits. This is true whether they are filing for benefits under their own comprehensive policy or with the other driver’s liability coverage.
After an accident, it is important for a motorcyclist to notify their insurance company immediately. With most policies, this form of notification is necessary under the policy. The failure to notify an insurer could result in a denied claim.
Often, insurers will go to extreme lengths to avoid paying claims at times, even when the policy appears to offer coverage. When claims are denied, a lawsuit could become necessary.
When Litigation is Necessary
A motorist is not necessarily out of luck if it turns out there was no insurance coverage for their accident. If another person’s negligence was responsible for the crash, the injured motorist could file a lawsuit against the at-fault driver. While recovering compensations on a judgment could be a challenge, a skilled attorney could assist in the recovery efforts.
How an Attorney Could Help with a Lancaster Motorcycle Accident Insurance Claim
If you have sustained an injury in a motorcycle accident, it is important to notify your insurance company right away. In many cases, there could be multiple insurance policies at play. While having additional coverage is always good, things can get complicated with multiple insurance companies involved.
You do not have to sit idly by while these insurance companies argue over which policy should pay a claim. An experienced injury attorney could assist you with moving your claim forward and obtaining the compensation you need. Call Schiller & Hamilton right away to discuss your options.