To state the obvious, motorcycle accidents are not something you ever want to experience.
Besides the loss of your cycle and the physical pain, a motorcycle accident can disrupt your life for a long time. Hiring an experienced New Jersey motorcycle accident lawyer can go a long way towards lessening the stress and long term ramifications of your accident.
Only those who have been in motorcycle crash have the true, often painful knowledge of the complexity of a glass shattering, metal scraping, skidding, tumbling mess a motorcycle accident can be. And that’s all before the recovery…
In this first of a three part series, I will be addressing the pre-accident reviews you should undertake, next we’ll talk about an accident itself, and finish up with the claim process.
What You Decide Before an Accident Makes All the Difference
Nobody plans to get into an accident. That’s why they call them accidents.
What you should plan, however, is how you can protect yourself to make sure enough money is available to cover your accident, and who you will call when you are too confused to think straight.
Sadly, not every motor vehicle operator has either the insurance or cash to cover a person they injure in a motorcycle accident.
That fact is why it is up to you to buy enough uninsured and underinsured coverage (UM/UIM coverage) so your hospital visit, post recovery expenses, cycle replacement and lost wages are taken care of. Most riders don’t stop to think about the costs and how they may be covered.
The money comes almost exclusively from insurance money, since the average person doesn’t have enough savings to pay for an accident they cause.
Mandatory insurance requirements hardly ever cover the cost of an accident. Since 1990 medical care has risen over 350% and government insurance mandates just have not kept up.
So, I encourage everyone to pull out their insurance policy and make sure you have coverage that truly protects you. Call me at 888-292-5352 to review your policy. I don’t sell insurance, so the review is purely to protect your interests.
Know Who You Will Call in Advance
Stop for a minute and think about something. Imagine you are in a crash a few minutes from now…
Would you know who to call first (after an ambulance)? Your insurance agent?
Most people guess wrong and call their insurance agent, but who you really want to call first is someone who is looking out for your best interests. A motorcycle attorney.
Which one would you call? The fact that you are on this site now means one of two things: you have been injured in a motorcycle accident, or you are smartly doing some research in advance.
- If you have been involved in a accident, call me now at 888-292-5352, before talking with anyone at either insurance company, or posting anything about your accident on social media or a blog.
- If you are doing your research now, know that the insurance company will immediately be looking to take measures to limit the amount they are obligated to pay out. Whereas a motorcycle lawyer will immediately think to protect your rights to help you get the maximum possible recover.
By calling me you don’t need to think about whether what you are saying will be used against you. I become your advocate and spokesperson – from that point on you can refer all other calls about the accident to me.
This is a huge stress relief, as well as a way to protect yourself and maximize any recover money coming your way.
Take Action Now
If you like what you are reading, you will want to put my name and number into your contact list on your smartphone under either motorcycle accident, or motorcycle attorney, in case you forget my name.
It is easy to forget your own name after an accident, so believe me, you may have a hard time remembering mine.
I also invite you to call me now to get a comfort level with me before an accident occurs. It’s an easy, no pressure informational call. I suggest you get to know me at least as well as you know your insurance agent.
Call 888-292-5352 (888-cycle-law) to get expert advice about all aspects of a motorcycle accident in New Jersey.
Next month we’ll look at the anatomy of a motorcycle accident.