Being involved in a motorcycle accident can be life-changing. One day you are riding, the next you are sorting through bills, making phone calls, and poring over insurance forms that do not make much sense. Filing an insurance claim can be a challenging process because it often involves deadlines, paperwork, and rules that most people are unaware of until they are involved in an accident.
At KGS Law PLLC, our team is here to help you understand the process. We could review your policy, explain what coverage applies, and speak with the insurer on your behalf. While no lawyer can promise a favorable result, hiring a motorbike accident attorney familiar with motorcycle insurance claims in Houston to advocate on your behalf could relieve stress and give you a clear understanding of your options.
State Insurance Rules and Coverage
Motorcycle insurance offers more than one type of protection. For instance, liability coverage pays for harm caused to others, while medical payments or personal injury protection can help with treatment costs even if you are partly at fault for the accident. State law requires at least 30/60/25 in liability coverage under Texas Transportation Code § 601.072. However, this may not be enough to cover all your costs. Uninsured and underinsured motorist insurance can offer extra protection if the at-fault driver’s coverage is insufficient.
An attorney handling your Houston motorcycle insurance claim could:
- Converse with insurers and adjusters
- Review the fine print of insurance policies
- Organize bills, medical records, and repair estimates
- Estimate both economic and non-economic damages
- Preserve evidence from both the scene and the motorcycle itself
Insurance claims in Texas are also subject to a modified comparative negligence rule. Under Texas Civil Practice & Remedies Code § 33.001, if your percentage of fault exceeds 50 percent, you cannot recover damages. If your percentage of fault is below 50 percent, you will likely receive the recovery amount minus that percentage. The statute of limitations for most injury claims is two years under Texas Civil Practice & Remedies Code § 16.003.
Disputes and Value of a Claim
Insurance companies often push back against accident claims. They may argue that you sustained only minor injuries, that medical care was unnecessary, or that your motorcycle was worth less than you claimed. Custom parts and upgrades are especially easy targets for disputes. Texas Insurance Code § 541 restricts unfair handling of claims, but these boundaries are not always clear to policyholders.
A strong claim relies on clear evidence, which can include:
- Photos
- Repair estimates
- Medical records
- Witness statements
Uninsured and underinsured motorist claims can be especially challenging since you must prove the at-fault driver’s liability and satisfy policy conditions.
Our experienced team understands the importance of proof in Houston motorcycle insurance claim disputes. We could collate evidence to protect the value of your claim while maintaining realistic expectations.
Retain a Houston Attorney When Making a Motorcycle Insurance Claim
Dealing with the aftermath of a motorcycle crash can be overwhelming, especially if you are unfamiliar with the insurance process. Seeking help from an attorney well-versed in motorcycle insurance claims in Houston could provide direction and ease your confusion.
At KGS Law PLLC, we offer guidance grounded in state law and practical experience. We could help you understand what steps to take, what documents to keep, and how to approach discussions with insurers. Reach out today and schedule a consultation to discuss your case.