Insurance Companies Are Not On Your Side
After a motorcycle accident, you'll likely hear from one or more insurance companies very quickly. It's important to understand from the start: insurance adjusters work for the insurer, not for you. Their goal is to resolve your claim for as little money as possible. Knowing their tactics helps you avoid costly mistakes.
The Quick Settlement Offer
One of the most common tactics is the fast lowball offer — made within days of the accident, often before you understand the full extent of your injuries. Accepting a settlement too early means:
- You may not yet know the total cost of your medical treatment
- Future complications or long-term care needs won't be covered
- You permanently waive your right to additional compensation by signing a release
Never accept a settlement without consulting an attorney first.
The Recorded Statement Request
Insurance adjusters often call soon after an accident and request a recorded statement. They frame it as a routine formality. In reality, these recordings are used to:
- Find inconsistencies between your statement and other evidence
- Extract admissions of partial fault
- Minimize your claimed injuries ("You said you felt okay at the scene...")
You are generally not legally required to give a recorded statement to the other driver's insurer. Decline politely and refer them to your attorney.
How Insurers Evaluate Motorcycle Claims
When assessing your claim, the insurance company will look at:
- The police report and any fault determinations
- Medical records and treatment history
- Witness statements and photographs
- Your motorcycle's condition and repair estimates
- Whether you were wearing a helmet and appropriate gear
- Your driving history and any prior claims
Common Tactics Used to Reduce Payouts
- Blaming the rider: Suggesting you were speeding, lane-splitting illegally, or riding recklessly
- Disputing injury severity: Claiming injuries are pre-existing or exaggerated
- Delay tactics: Dragging out the process hoping you'll accept less out of financial desperation
- Using your own social media: Monitoring your posts for evidence that contradicts your injury claims
Uninsured and Underinsured Motorist Coverage
If the at-fault driver has no insurance or insufficient coverage, your own policy's uninsured/underinsured motorist (UM/UIM) coverage becomes critical. This coverage pays for your injuries when the other driver can't. Review your policy carefully and understand your own insurer's claims process — they can also use the tactics above against you.
How an Attorney Changes the Dynamic
Once you retain an attorney, all insurer communications go through them. This immediately shifts the dynamic:
- Adjusters can no longer contact you directly
- The insurer knows you're represented and likely to litigate if necessary
- Your attorney handles all evidence gathering, correspondence, and negotiations
Studies consistently show that represented claimants receive higher settlements on average than those who negotiate on their own.
Bottom Line: Be Cautious, Be Informed
Approach every insurance interaction with care. Document everything in writing. Be polite but guarded. And get legal representation before making any significant decisions about your claim. The insurance process is designed to be navigated by professionals — make sure one is on your side.