Handling Insurance Companies After a Gwinnett County Motorcycle Accident

Immediately after a motorcycle accident, your main priority should be getting to safety and seeking medical treatment.  After you have ensured your health and safety, your next call should be to a skilled attorney.

A lawyer could help you with handling insurance companies after a Gwinnett County motorcycle accident. Insurance companies aim to devalue a claim. A skilled attorney could work to ensure you receive appropriate compensation for your injuries.

Should a Claimant Contact Their Own Insurance Company?

In Georgia, if insurance companies are not notified of accidents within a reasonable amount of time, the individual may lose their rights to any of their uninsured motorist carrier benefits. Yet, reasonable notice is not defined under state law, making it imperative that individuals notify their insurance carrier as soon as possible.

An attorney could contact an individual’s insurance company to report a motorcycle accident in Gwinnett County and establish a claim. However, some insurance companies require the individual to do so themselves. In such cases, a lawyer could advise an injured party on what to say.

What If a Motorcyclist Does Not Have Insurance?

Insurance is mandatory for Gwinnett County motorcycle riders. Under criminal code, failure to have appropriate insurance carries criminal penalties, such as a ticket or jail time, depending on the number of offenses. People who do not have insurance should contact an attorney who could then determine liability.

A lack of insurance in a motorcycle injury case could result in an injured individual not being compensated as they should be. A dedicated attorney could reach out to medical providers and seek reductions of the injured individual’s medical bills so that they are not buried in debt or subject to wage garnishment. A lawyer also may be able to persuade medical providers to forgive some debt on behalf of a plaintiff in the event there is not enough insurance coverage.

Motorcyclists also should consider an umbrella policy to protect them if they injure someone else or themselves in an accident. If a motorcyclist opts for an umbrella policy, they should confirm who is covered under the policy with their insurance to ensure that they can fully utilize their policy.

Dealing with a Defendant’s Insurance Company

An individual injured in a motorcycle accident should avoid corresponding with the at-fault party’s insurance company. A defendant’s coverage provider may try to decrease the value of the plaintiff’s claim. This is because an insurance company is trying to find reasons not to pay the plaintiff and avoid going to trial. It is always a bad idea to correspond directly with the insurance company without the guidance of a seasoned attorney.

Having adequate health insurance after a Gwinnett County motorcycle accident is key to a successful recovery. By not having strong coverage, you risk not being fully compensated in the event of a serious accident. Fortunately, a well-practiced motorbike crash attorney could determine if all your losses are covered and advise you on what steps to take if an uninsured driver harmed you.

Why Do You Need Health Insurance and an Attorney?

Attorneys tell injured motorcyclists to use their health insurance anywhere that they can, but many people do not have any health insurance at all. A lawyer could help identify medical providers who will treat on a lien basis, meaning the health provider will wait for the settlement to get paid from the insurance company.

A good attorney wants to make sure that injured individuals are fully healed from the wreck, both physically and financially. A skilled and dedicated lawyer could ensure that a motorcyclist is fully compensated for their injuries.

What Happens If an Injured Motorcyclist Does Not Have Health Insurance in Gwinnett County?

In Gwinnett County, failing to obtain health insurance could create a barrier for treatment following a motorcycle wreck. An injured biker typically must be seen by an orthopedist, a neurologist, or a different specialist, depending on the types of injuries they suffered. If they do not have health insurance, how are they going to get in to see those specialists?

Injured motorcyclists should seek legal guidance from someone who could identify those specialists and work on a lien. If a biker does not seek medical treatment after an accident, they cannot file a personal injury claim for recovery.

It is important that the motorcyclist document all their damages and treatment, both physical and mental. An insurance company’s goal is not to pay on a claim, and they could either deny or greatly devalue the claim without proper documentation. A lawyer has to prove that the person was injured and the extent of the losses to recover fully.

Uninsured Driver

If a motorcyclist is struck by an uninsured driver, they must look at their own policy to see if they have uninsured or underinsured motorist coverage. This type of coverage is not required in Georgia, so a person may be stuck paying all the medical expenses out of pocket or through their health insurance. That is why it is important to have uninsured motorist vehicle insurance in case somebody without insurance hits them.

There is a fallacy out there put out by the insurance industry that there is such a thing as full coverage. In fact, there is no such thing as full coverage.

There is a limitation on every policy a person has. If someone has $1 million in uninsured motorist benefits, then the insurance company only covers up to that $1 million. If the person’s medical bills are $2 million or their treatment runs up to $3 million, they are only covered for $1 million.

Motorcyclists must obtain good coverage to protect themselves in the event of a collision with an uninsured driver. Understanding their insurance policy could help them avoid making mistakes after a motorcycle wreck.

Financing Medical Treatment After a Motorbike Wreck

There are a couple of ways to handle medical treatment following an accident. Bikers can find a company that specializes in financing medical treatment for their case. Usually, the financing company will not work with individuals directly, so motorcyclists should enlist the help of an attorney in these cases.

Medical providers can file liens on cases as well, but usually, they must wait until after the case is paid out to get that lien paid. In this office, lawyers all look for any medical payments coverage the person might have on their policy that will pay for the medical bills a lot quicker.

Reimbursing Health Insurers in Peachtree Corners

In Georgia, anytime there is insurance like Medicare or Medicaid, the federal government has to be reimbursed at the end of the case. Law firms typically negotiate with Medicare to put more money in the client’s pockets and get them to take reductions, if they are willing to do so. However, if there is any Georgia aid such as PeachCare, the client is required to pay that company back. At this law office, lawyers will contact the company and see what amount is owed so that the firm can pay them back.

Other medical providers who treat the injured motorcyclist may be paid back at the end of a case. Health insurance companies, if they are ERISA-based, have a right to be repaid from the proceeds of the settlement claim. If they are not an ERISA-based company here in Georgia, they do not have the right to be repaid.

Contact a Motorcycle Accident Attorney for Help Today

Handling insurance companies after a Gwinnett County motorcycle accident requires the assistance of a well-practiced attorney. Insurance companies aim to decrease the value of your injury claim. A lawyer could work to ensure insurance companies do not take advantage of you by guiding you on what to say and fighting for your right to fair compensation. Call today to learn more.