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Should I talk to the insurance company?


You have a contractual duty to inform your own insurance company if you are in a motorcycle accident and you must do so within a few days of the incident. If you fail to do so and want to make a motorcycle accident claim later, they may try to deny you coverage. So, yes, contact your own insurance company, even if you do not think that you will file a claim with them.

With regard to the at-fault driver's insurance, you have no duty to speak to them. And remember: They do not have your best interest at heart. You may call them to collect information about the defendant's coverage, but under no circumstances should you give a recorded statement. If they call to ask questions about your accident, make sure that the discussion is not being recorded because they may use that call against you later.

A note of caution. Usually, within a couple of days of a motorcycle collision, the at-fault driver's insurance company calls the victim and asks about the accident and any injuries. Often, victims do not fully understand the extent of their injuries or, worse, they try to "tough it out" and tell people it's "not that bad." For your own protection, make sure that you never provide any recorded statements.

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For further questions about your motorcycle accident, contact motorcycle accident lawyer Scott O'Sullivan for a free consultation.

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