You were hit by a car, and the driver, fortunately, stayed at the scene. You've struggled to make peace with the fact that the driver didn't intentionally hit you because you've been left with severe injuries.
You were wearing a helmet and appropriate riding gear, but you still have broken bones to deal with along with a concussion. You'll miss work and have to spend time in physical therapy.
What should you expect from your insurance claim?
At the minimum, the insurance company should be covering your medical bills and lost wages. For most people in your situation, insurance covers many different expenses including:
- Medical bills
- Future medical expenses related to your crash injuries
- Repairs to your vehicle
- Lost wages
- Lost potential wages (if you are unable to continue the same job)
- Travel expenses
There are other possible payments you can receive as well as compensation for your pain and suffering, mental trauma, and other needs.
Why is it a good idea to work with an attorney?
The reason it's a good idea is that many insurance companies don't want to pay out as much as they should. They may lowball you, offering a pittance compared to what you should be owed for the collision.
It's the insurance company's job to pay out as little as possible for claims, but as a victim, you need someone to protect you and make sure you get a settlement that's fair.
Our site has more on what to expect if you're in a crash and decide to file a claim against the driver.