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Insurance companies are for profit. As such, they don’t make money by paying out claims. The insurance company may be difficult, combative, or take unreasonable positions. Adjusters often presume you are exaggerating or lying. The insurance company also has a tactical advantage in that they negotiate claims day-in-day-out, whereas this may be your first time making an insurance claim. Therefore, if you have serious injuries or high medical bills, it is often best to hire an attorney to help you with your claim.

However, attorneys are not free. Personal injury attorneys work on a contingency fee basis and typically charge 1/3 of your total settlement value. If your claim is small (i.e. minor injuries and small paid amount of medical bills) or you only have property damage, it may make more sense to handle the claim on your own.

Alternatively, if you have serious injuries (e.g. fracture, concussion, muscle tear, etc.), received extensive medical treatment, and/or had surgery, then it is in your best interest to consult with a bike attorney. Retaining a competent bike attorney will guarantee that you receive all the reimbursement you are entitled to, that your medical liens get taken care of, and that the insurance company does not take advantage of your inexperience during the settlement or litigation process.