If you’re in a bike accident, it’s tough dealing with insurers.
It’s an insurer’s job to pay you as little as possible—and they practice it every day. How can the average person compete against this kind of experience?
When you’re in a bike accident, dealing with an insurance company can add insult to injury. Even if you succeed in proving that you weren’t at fault, you could still have trouble receiving the compensation that you deserve. Often, insurers will offer you a lowball settlement or use other distasteful tactics to save as much money as possible.
For a guide to negotiating a settlement after a bike accident, keep reading.
Dangerous Roads Ahead for Cyclists
You may think that children get hurt more often in bicycle accidents compared to adults. However, most people who are involved in bicycle accidents are middle-aged. Also, bicycle accidents are more common in densely populated urban areas.
Bicycle injuries date back to the 1900s when inventors created them. Each year, however, the number of cyclist injuries has risen steadily.
Nice weather is the perfect opportunity to get in shape and have some fun on your bicycle. However, safety is equally as important.
Nearly 40% of all bicycle accidents involve alcohol. A bicycle accident can happen at any time and anyplace. Even if you’re a skilled rider, you can find yourself involved in a bike accident.
Today, safety advocates emphasize the importance of wearing a helmet. However, a helmet isn’t always enough to keep you safe, especially if you get into a collision with a car.
It’s also important to ride with the flow of traffic. Furthermore, you should never assume that a motorist can see you on your bicycle.
What to Do if You’re in an Accident
The weather in Florida is beautiful. It’s an ideal climate for year-round bike riding.
For this reason, Florida is also a particularly dangerous state for cyclists. Hopefully, you’ll enjoy years of safe riding. If you’re in an accident, however, there are a few things you should do.
The first thing you should do is look yourself over and make sure that you’re not seriously injured. Next, you should call the police immediately.
You’ll need a police report for an official recording of the accident. A police officer will provide you with a written record of the event. With that information, you can report the incident to the driver’s insurance company.
If you own a vehicle, you should also contact your insurer. They may cover the costs of your injuries. Before you contact insurers, however, there are a few things that you should consider.
It’s important to collect evidence that will support your claim. You’ll need considerable proof to support your version of the story.
For example, take pictures of your injuries. Also, capture images of any damage to your bike.
It’s also important to keep all medical records related to your injury. Your pictures and medical information will serve as valuable assets that will help you to file your insurance claim.
Negotiating a Settlement After a Bike Accident
If you’re injured in a bike accident, you may find that you’re out of commission while your bills pile up. In many instances, injured cyclists must miss work while they heal from their injuries. During this time, it can prove unnerving while waiting for your insurance accident settlement.
Every accident is different. There’s no way to know how long it will take to settle your claim.
There’s also no way to know what the insurance company may offer for your injuries. However, you can count on the driver’s insurance company offering you as little as possible.
This kind of offer is called a lowball offer. Usually, an insurance company will start negotiations by offering you a low amount of compensation. They hope that you’ll jump at the chance for a big payday, even though you’re entitled to more.
Many people make the mistake of accepting lowball offers. They’re not aware that they can receive more compensation for their injuries.
Insurers know that accident victims do not know how much they should receive. They take advantage of this fact to save as much money as possible. For this reason and others, it’s important to retain a lawyer before calling the driver’s insurance company.
A skilled lawyer can negotiate the best deal possible. They can help you to receive higher compensation for your accident. They’ll maximize the compensation you receive for your injuries.
Don’t Make This Mistake!
You may think that you can save money by not hiring an attorney. Instead, however, you’re more likely to receive a much smaller amount of compensation.
Insurers use a formula to figure out how much money to offer you for your injury. You’ll speak to an insurance claim adjuster who will try to offer you as little as possible. When an injured person makes a claim, this is their primary job.
Often, the adjuster will work with a lawyer. For this reason, the insurance company always has the upper hand when it comes to accident law. Likewise, it’s important to have expertise on your side.
If you don’t have a lawyer, an insurer is more likely to offer you a lower payment. They know everything about your accident.
It’s in your best interest to hire a professional accident attorney who knows just as much, if not more, about the event. They’ll make sure that you get the best offer for your injuries.
Make Sure You’re Made Whole Again
Now you know more about negotiating a settlement after an accident. It’s much better to allow a professional to do it for you. However, you’ll need reputable counsel that will look out for your best interests.
Vivo Law Offices is a respected and trustworthy legal practice in Jupiter, Florida. We know how to secure the compensation that you deserve for your pain, injuries, and suffering.
If you’ve been in a bicycle accident, contact a Vivo Law Offices representative today at (561) 665-1130 or connect with us online. We’ll help you navigate the complex maze of insurer negotiation.