What Insurance Companies Do After Motorcycle Crashes
After a motorcycle accident, the insurance company is focused on protecting its bottom line, not maximizing your recovery. Even when liability seems clear, adjusters often look for ways to reduce or deny valid claims.
Common tactics include:
Making a quick, low settlement offer. Early offers rarely account for future medical care, lost earning capacity, or the full extent of your pain and suffering. They are often made before you understand the true value of your claim.
Arguing that you were contributorily negligent. Virginia follows a strict contributory negligence rule. If the insurance company can convince a jury that you were even 1% at fault, you may be barred from recovering compensation. Insurers frequently try to shift blame onto motorcyclists for this reason.
Using your riding choices against you. Adjusters may argue that your speed, lane position, clothing, or safety gear contributed to your injuries, even when another driver’s negligence caused the crash.
Requesting a recorded statement. Insurance representatives may ask you to provide a recorded statement soon after the accident. Seemingly innocent comments can later be taken out of context and used to dispute liability or minimize your injuries.
Delaying the claims process. Prolonged investigations, repeated requests for documentation, and unnecessary delays can pressure injured riders into accepting less than they deserve.
Rutter Mills has spent decades negotiating with insurance companies and understands the strategies they use to minimize motorcycle accident claims. We know how to preserve evidence, counter attempts to shift blame, accurately value long-term damages, and negotiate from a position of strength.
If the insurance company refuses to make a fair offer, our trial attorneys are prepared to take your case to court.
Call or text us anytime, day or night: (757) 777-7777.