After an automobile accident, it is crucial for the parties involved to reach out to their insurance companies. Whether or not you have coverage, you should find out if the person who hit has insurance.
This process can seem daunting, but you do not have to go through it alone. Our lawyers have experience contacting insurance companies following a Chattanooga motorcycle accident. Get in touch with a skilled motorbike wreck attorney today to learn how we could help you with your claim.
Motorcycle Insurance Requirements in Chattanooga
Insurance is required for all drivers, including motorcyclists. To operate a vehicle on local roadways, motorists must have liability insurance, though there are other types of coverage that are not required. For example, uninsured or underinsured motorist coverage is not mandatory, but it can be particularly useful for motorbike drivers.
What are the Penalties for Not Having Coverage?
Driving without insurance could result in citations from the police, fines, and points added to the motorist’s license. In some situations, a person might even have his or her license suspended or revoked.
For example, a negligent driver who causes an accident and is unable to pay the damages of that wreck due to lack of coverage can face license revocation. All drivers should consider talking to a local motorcycle wreck attorney to learn about the advantages of obtaining different types of insurance coverage.
Is it Necessary to Contact Insurance After an Accident?
Insurance companies should be notified immediately after the motorcycle accident. Most policies require notification no more than 30 days after the incident. However, it is recommended that injured parties call their insurance companies within one day of the wreck.
Even if the victim does not have coverage, he or she could receive compensation through the at-fault party’s insurance plan. Injured parties should hire an accident attorney before reaching out to a negligent driver’s insurance company.
Corresponding with the At-Fault Party’s Insurance Provider
If a motorist has been in an accident but was not injured, it is fine to contact the at-fault party’s insurance company to discuss compensation for property damage. However, victims suffering from injuries and seeking settlements should not talk to insurance companies about their conditions or discuss how the crash happened. A lawyer in the area could advise victims on the proper way to communicate with insurance companies after a motorcycle accident.
How Can Lack of Coverage Impact a Motorbike Injury Case?
The absence of insurance can cause problems for a plaintiff attempting to recover compensation from the defendant through the justice system. If the at-fault party was not insured at the time of the wreck, the potential damages award would be limited to the amount of money the defendant can afford.
In the event that the victim wins the judgment and the at-fault party cannot pay the damages, he or she could file for bankruptcy. A seasoned lawyer who focuses on motorbike cases could provide injured parties with more information about how insurance may impact the victim’s ability to recover damages.
Call an Attorney for Help Contacting Insurance Companies Following a Chattanooga Motorcycle Accident
If you were recently injured in a motorbike wreck, allow an attorney at our firm to take over communication with your insurance company. We strive to mitigate your stress as you focus on your physical recovery. Retaining a lawyer before contacting insurance companies following a Chattanooga motorcycle accident could reduce potential errors and improve your chances of succeeding in settlement negotiations.
