If you suffered injuries or property damage in a motorcycle crash caused by another’s carelessness or recklessness, compensation might be available to you. This compensation can offset your medical costs, lost wages, motorcycle repairs or replacement, and other losses.
Understanding your rights and the most effective steps for obtaining compensation is crucial when filing motorcycle accident insurance claims in Fulton County. A knowledgeable motorcycle attorney can advocate for your rights and help you navigate the claims process to give you the best chance of a favorable outcome.
Fulton County Motor Vehicle Insurance Requirements
Georgia law requires all drivers to maintain insurance that, at a minimum, covers $25,000 per person and $50,000 per accident for bodily injuries, as well as $25,000 for property damage. The reality, however, is that not everyone follows the law, and there are many uninsured or underinsured drivers on the road.
Fulton County motorcyclists may opt to purchase additional uninsured motorist coverage through their own insurance. This extra coverage can cover injuries or property damage when an at-fault driver either does not have any insurance or has a policy that is insufficient to compensate a victim.
How to File Insurance Claims for Motorcycle Accidents
The at-fault driver’s insurance company will likely do whatever it can to minimize its exposure. Having an attorney who is experienced in motorcycle accident matters advocating on your behalf could be very important to your ability to recover the maximum amount of compensation possible.
Assuming that the driver who caused the accident is insured, the first step in a Fulton County motorcycle accident is typically filing a claim with that person’s insurance company. In addition to describing the circumstances of the accident and identifying any witnesses, the claim will usually include a detailed account of any property damage and repair fees, physical injuries and related medical costs, as well as a requested amount of damages to cover mental anguish and pain and suffering resulting from the accident.
In many cases, even if the driver’s insurance policy is sufficient to cover the requested claim, the insurance company may offer a smaller amount. An attorney can negotiate to work towards a fair settlement.
Pursuing a Civil Action
In the event that a settlement with the insurance company cannot be reached, then a civil action can be initiated. However, it must be filed within two years of the accident. Once that time frame has passed, the may be barred.
If a lawsuit is properly filed within the time limit, the case will begin a period of discovery, which includes the exchange of documents, such as medical records, and the sworn testimony of witnesses called depositions. Then, the matter will either settle or proceed to trial where liability will be assigned and judgment granted accordingly.
Pursuing Successful Motorcycle Accident Insurance Claims in Fulton County
If you or a loved one was harmed or suffered property damage in a motorcycle accident, your focus should be on healing. Usually, the last thing you want to deal with is a disagreement with an insurance company that refuses to compensate you for your losses. Having a dedicated legal ally on your side who is experienced in handling motorcycle accident claims in Fulton County could prove valuable. Call today to learn more.