Insurance Companies and Fort Worth Motorcycle Accidents
We Won’t Let the Insurance Company Take Advantage of You
After a motorcycle accident, one of the last things you should worry about is battling with insurance companies that twist the truth to protect their profits. Unfortunately, that's often the reality. Insurance companies can downplay the severity of your injuries or try to shift blame to avoid paying fair compensation.
At the Cain Firm, our Fort Worth lawyers are committed to standing up to insurance companies that prioritize profit over people’s well-being. We fight tirelessly to ensure that you get the compensation you deserve for your injuries, pain, and losses. Let us handle the insurance battles so you can focus on your recovery. Contact us to schedule a free consultation now.
How to deal with insurance companies after a Texas motorcycle accident
Dealing with insurance companies after a motorcycle accident can be tricky, especially when you're vulnerable. The insurance provider of the party at fault may try to take advantage of your situation to protect their profits. Despite their claims of caring about your well-being, their main goal is often to maximize their bottom line.
Insurance companies will use various tactics to devalue or deny your claim. They might seem friendly and concerned, but this is usually just a strategy to lower your guard. To avoid falling victim to these tactics, it’s crucial to refrain from engaging with the insurance company until you’ve secured legal representation.
Once you hire an attorney, the insurance company will be required to communicate only through your attorney. This prevents them from using manipulative strategies and levels the playing field. Your lawyer will then fight for a fair settlement, ensuring your best interests are represented.
We stand ready to protect your rights, prove fault, and collect maximum tax-free payment for your injury claims.
Motorcycle insurance requirements in Texas
In Texas, all motorcycle riders must carry liability coverage to protect themselves and others in the event of an accident. The required coverage includes bodily injury liability and property damage liability. These types of insurance help cover injuries or property damage you cause in an accident but not damage to your own motorcycle. Required coverage and minimum amounts:
Bodily injury liability: Covers injuries you cause to others in an accident.
- $30,000 per person
- $60,000 per accident
Property damage liability: Covers property damage you cause to others in an accident.
- $25,000 per accident
These minimum amounts can be adjusted to better protect your assets, especially if you want to avoid out-of-pocket expenses for larger claims.
Optional coverage
While the state of Texas has set minimum liability requirements, there are additional types of coverage you should consider for more comprehensive protection:
- Uninsured/underinsured motorist coverage (UM/UIM): Covers you if you're in an accident caused by a driver who lacks sufficient insurance.
- Personal Injury Protection (PIP): Provides coverage for medical bills and other expenses in the event of an accident, regardless of fault.
Comprehensive and collision coverage
If you're financing or leasing your motorcycle, comprehensive and collision coverage may be required. However, if you're not financing, these coverages are optional but highly recommended.
- Comprehensive coverage: Protects against damage from events beyond your control, such as theft, vandalism, weather-related damage, and animal collisions.
- Collision coverage: Covers damage to your motorcycle in a collision, regardless of who is at fault.
These optional coverages provide added protection for your motorcycle, which can be particularly valuable if it's a prized possession.
Be aware of insurance company tactics
Insurance companies may use various tactics to minimize the amount they pay out after a motorcycle accident. These tactics can often leave you with less compensation than you deserve. It's important to recognize these strategies and be prepared to protect your rights.
Insurance companies may try to:
- Twist the facts to downplay the severity of your injuries or the fault of the other driver.
- Pressure you into a quick settlement before you fully understand the extent of your injuries or damages.
- Deny or delay your claim in hopes of wearing you down or hoping you’ll give up.
- Blame you for the accident or exaggerate your level of fault to reduce their payout.
- Offer a lowball settlement that is far less than what you need to cover medical bills, repairs, and lost wages.
- Take advantage of your emotional state by making you feel guilty or rushed into making decisions that aren’t in your best interest.
Having a knowledgeable attorney on your side can help you navigate these tactics and ensure that you get the compensation you deserve.
Take control of your motorcycle accident claim with Cain
Dealing with insurance companies after a motorcycle accident can feel intimidating, but it is a necessary step in the process. At the Cain Firm, our Fort Worth attorneys understand the challenges you face and are here to fight for your rights. Insurance companies may try to take advantage of your situation, but with the help of an experienced attorney, you can level the playing field and ensure you receive the compensation you deserve.
Our team is dedicated to standing up to insurance companies that prioritize profit over your well-being. Contact us today for a free consultation and take the first step toward securing a fair settlement.
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Why Do We Focus On Serious Injury Cases?
Our firm handles personal injury claims arising from serious accidents. We have mastered the laws in this arena, and we stand ready to protect your rights, prove fault, and collect maximum tax-free payment for your injury claims.