Motorcycle Insurance Issues
Even though motorcycle accidents can cause severe injuries that extend well beyond policy limits, all Tennessee motorcyclists need to carry insurance coverage and know how to protect their rights when they file claims against the policies of liable parties or even their own insurance. I am Kevin W. Shepherd, Attorney At Law, and people often call on me to help with claims they intended to file on their own.
Tennessee motorcycle insurance requirements
Supporting the future of motorcycling since 1924, the American Motorcyclist Association provides information about state regulations affecting motorcyclists. As of January 2011, Tennessee insurance requirements included the following:
- Coverage amounting to $30,000 for each individual injured in an accident, up to a total of $60,000
- Property damage coverage of at least $25,000 per accident
Protecting your rights in a motorcycle accident insurance claim
Whether you file a claim against the insurance policy of a liable party or against your own policy, keep in mind that claims adjustors represent the bottom lines of their own companies rather than your interests as an injury victim. If you intend to file an insurance claim, you need to contact the insurance company as soon as possible after the accident, but not before you consider the following tips:
- Talk to an attorney first: Talking with an experienced motorcycle accident attorney before calling the insurance company can make a difference to the success of your claim. When accident victims come to me for a free consultation, I evaluate their unique issues and explain all available legal options. If an insurance claim makes sense, I provide valuable advice on how to handle interactions with claims adjustors.
- See your own doctor: If you do not have a doctor, I can refer you to the right physician from my network of medical professionals. Do not accept recommendations offered by the insurance company.
- Maintain detailed records: Medical treatment, medicine, crutches and other items you purchase represent just one type of expense related to your injuries. You may lose time from work, and you may need to pay for household and other services that you cannot perform until you heal. Consider every detail to avoid paying unfair out-of-pocket expenses.
- The settlement offer often does not represent the best offer: Insurance companies count on your desire to put the accident behind you. They often tempt you with a quick offer that may not represent the full costs associated with your injuries. Your signature makes the offer final, so you need to carefully consider your true expenses now and in the future. I often review offers and then negotiate more appropriate settlements for my clients.
A free consultation with me can help improve the results of your claim
Due to the potentially high costs associated with motorcycle accident injuries, insurance adjustors — even from your own insurer — may attempt to find ways to reduce or deny these claims. You need legal assistance from experienced motorcycle accident attorneys in East Tennessee to help ensure you receive fair compensation. For more information or to schedule a consultation with Shepherd and Associates, P.C., call 865-225-9655 or fill out the contact form on this website. I regularly assist clients from the Lenoir City, Madisonville and Maryville area.
I handle motorcycle accident claims on a contingency fee basis. You pay no attorney fees until I successfully obtain compensation for you.