Motorcycle Attorney Insurance Claims 2

Question 1

What is a 'recorded statement' in a motorcycle accident claim, and should a claimant give one to the opposing insurer?

Accepted Answer

A statement recorded by the opposing insurer's adjuster; consult an attorney before giving one

Answer

A written statement given under oath to the court; always required

Answer

A statement given to your own insurer; mandatory by law

Answer

A medical statement about injuries; always voluntary

Question 2

What is 'collision coverage' on a motorcycle insurance policy?

Accepted Answer

Coverage that pays for damage to your motorcycle resulting from a collision, regardless of fault

Answer

Liability coverage for damage you cause to others

Answer

Coverage for theft of the motorcycle

Answer

Medical coverage for the rider

Question 3

What is a 'deductible' in the context of motorcycle insurance?

Accepted Answer

The amount the insured must pay out-of-pocket before insurance pays on a claim

Answer

The premium amount paid monthly

Answer

A penalty for filing too many claims

Answer

The minimum coverage required by law

Question 4

When can a motorcycle attorney advise a client to accept a policy-limits settlement offer?

Accepted Answer

When the at-fault driver's policy limits are the maximum recovery available and the client's damages exceed those limits

Answer

Always accept policy limits immediately

Answer

Only when the case goes to trial

Answer

Never accept policy limits—always demand more

Question 5

What is 'stacking' of uninsured/underinsured motorist coverage in a motorcycle accident?

Accepted Answer

Combining UM/UIM coverage limits from multiple policies or vehicles to increase the total coverage available

Answer

Combining multiple at-fault drivers' policies to increase recovery

Answer

Adding a new driver to an existing policy

Answer

Filing claims with multiple insurers simultaneously

Question 6

What should a motorcyclist do immediately after an accident to protect their insurance claim?

Accepted Answer

Photograph the scene, get witness information, seek medical attention, and report the accident to their insurer

Answer

Repair the motorcycle before documentation

Answer

Only speak with the at-fault driver's insurer

Answer

Wait 30 days before reporting to allow injuries to develop