What kind of insurance should I carry?

Answer: Bodily Injury coverage.  In the rare case that you, as a motorcycle rider, injures
someone, you are covered.

Property damage.  Property damage liability coverage protects you if you damage someone else’s property with your motorcycle by driving negligently.  It does not protect you for any bodily injury the other person sustains, if you caused their injury due to your negligence. 

Uninsured/Underinsured Motorist Coverage:

If you are injured in a motorcycle accident, the negligent person’s Bodily Injury “BI Liability Coverage” should hopefully cover your medical bills, lost wages, as well as your pain and suffering.  However, what if your medical bills, lost wages, and pain and suffering exceed the negligent person’s Bodily Injury coverage?  Or even worse, what if that person causing a motorcycle accident has no Bodily Injury coverage at all?  To protect yourself and your family, you must have Uninsured Motorist coverage (UM) to protect you!  UM coverage takes the place of the Bodily Injury coverage the negligent driver may not have had.  Statistics show that twenty-five (25%) of automobile drivers are driving without any insurance whatsoever. 

Underinsured Motorist coverage protects you from the negligent automobile driver who has only a minimal policy, which cannot compensate you for your serious injuries.  Many drivers in Colorado have only the minimum coverage of $10,000 in Bodily Injury coverage.  This is simply not enough to cover most motorcycle rider’s injuries.  Your coverage should be at least $100,000.

How much will attorney fees be?

Answer: Colorado Biker Association motorcycle injury attorneys handle motorcycle accidents on what is called  “A contingency fee basis”.  This means that there will be no fee charged to you unless you recover money damages.  The fees are in the form of percentage amounts that you recover and conform to what is required by the Colorado.  Colorado Biker Association attorneys also advance whatever costs are necessary to process your claim, so you have no “up front, out-of-pocket” expense.

Should I give a recorded statement to the insurance company?

Answer: NO!  Insurance companies are very experienced at litigating Personal Injury claims and because the typical motorcycle accident victim is not as experienced at the insurance companies, you should speak with your attorney before you give any recorded statement.

Will I have to go to Trial?

Answer: Statistically, over 90% of cases are settled out of court.  Whether or not your particular case will go to Trial, depends heavily on the facts of your individual case.  But statistically speaking, the chances are great that your case will settle, without the necessity of a Trial.

How long will it take to resolve my case?

Answer: This is a question that is often asked and very difficult to answer.  Cases can take anywhere from six months to a number of years, depending on the facts of each individual case.