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Discussion Starter #1
Can someone explain what happens in a personal injury claim, when a sportbike gets hit by a car, and the driver of the car was found at fault. how much$ is someone looking at getting. Has this happened to people here? come on i know one of yous had to have sued a driver after they blatnly run into the side of your bike and knock you to the ground, causing groin and hip injury???any thought?
 

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I had an old lady crash into my patrol car while I was on duty. I bumped my head on the driver's door window in the crash. Anyways, I didn't sue, however her insurance company repaired the car and gave me $500.00 for my pain and suffering.
 

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First get the bike fixed. You can expect to get your medical expenses paid for but it can take a long time to get your money. As far as what to expect every case is different and all sorts of things can happen in court.
 

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It wasnt a sportbike, but while biking to work (mountain bike) I was hit by a lady in a minivan...who went through a stop sign, bike was 4 days old...never even went off road with it at that point, she knew she was at fault, so I got 80% of what I paid for my bike, ( the front shock, crank were scratched and front wheel bent) and they gave me $800.00, for my pain and suffering. which was just some road rash and bruises...wasnt wearing a helmet, big cut on my head, didnt need stitches but I sure felt it when I hit the pavement......that wont happen again....
 

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I work for a major insurance company that covers a lot of motorcycle insurance policies ... all of this depends on the state that you live in. I can tell you that here in New York if you were hit by a car on your motorcycle and the driver of the car is 100% liable then all of the damage to your bike would be covered under property damage (from their policy) and your injuries would be covered under their policies bodily injury portion. Just because the person may have policy limits of 100,000 per person / 300,000 per accident it doesn't mean that you get 100,000 for you injuries.

I see a lot of people get an attorny to represent them for their injuries & unfortunately this cuts into your BI or "pain & suffering" money because the attorney often does very little especially if you are not badly injured. They encorage their client to treat with doctors to raise the dollar amount on the case which = higher BI $ = more for them.

If you went to get checked out and have strained muscles then really you weren't seriously injured when looking at it from a BI perspective. The adjuster will offer you some "go away" money to settle the case quickly and move on. If you have fractured or broken bones then I would expect that your settlement might warrant a higher BI payout.

Depending on the company you may be offered 500 or 1000. If what they offer you doesn't seem like enough for your pain & suffering then I would tell the adjuster that just incase he/she is trying to low-ball you. Sometimes they will pay you more if it's within reason based on your injuries other times they will tell you to go scratch.

One thing that I never realzed until I started working in the insurance industry is that here in New York State when on a motorcycle you better hope that you have health insurance & that there is no exclusion in your policy for injuries sustained while riding a motorcycle. Motorcycle coverage in New York State covers other people if you hit them. If you get into an accident that is your fault like hitting a car or hitting gravel & going down you are SOL when it comes to injury coverage from your motorcycle policy because there is none. I only say this because a lot of people that I know do not realize this.

Do you know who the drivers insurance company is out of curiosity?
 

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Discussion Starter #6
they have STATE FARM. W/ 15,000$. I HAVE ALL STATE, W/ FULL COV. AND A GREAT LAWYER. can i expect all 15k?
 

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that 15,000 is property liability... they have another limit for your injuries
 

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All im saying is if your not really hurt don't sue. That's the kinda sh!t that will come back and bite you in the a$$. Karma's and mofo.
 

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Discussion Starter #11
i am hurt, very bad groin and hip pain w/ bruising. she was cited for , failure to yeild right of way.
 

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Discussion Starter #12
so far,i have lost 1week of work, can barely lift left leg without help. has anyone had groin or hip injuries, not my bone but the tendons, muscle and ligaments. when i was hit i fell on the left side, my hip took the brunt of the weight of the fall(FULL TANK GAS) bike then crushed the inside of my thigh and then shot out from between the legs and on to the sidewalk.
 

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If you didn't go to the hospital to get treated, then your injuries aren't serious, and you'll only get pain and suffering--it won't be much.

If you got a chiropractor or otherwise went through therapy, then that is a testament to ongoing pain--hence, more money. However, if the ins. company calls ******** on you, then you are stuck paying for the chiro bills.

Don't expect to get too much unless A) you went under the knife or B) whatever injuries you have are expected to give you recurring problems in the future.

I got hit. Got a lawyer. Maxed out her insurance policies, and went after her assets, her father's assets, and her father's company's assets (company car). Bruhahahahaha. But i'm not at liberty say what happened other than that.
 

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guy in my MSF course got hit by a doctor in a jag who was driving on a suspended license talking on the phone. didn't have much gear on, got some rash and $46K. lawyer took $18k of it tho...
 

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A few years ago (Feb. 2002) my wife and kids (2 & 6mo old) were broadsided by an elderly man that blatantly ran a red light (Mopac & Slaughter for you Austin peeps). She was in our '96 Explorer, he was in an early 90's Maxima. He hit her at the front passenger wheel and caused her to spin around and flip over. When I got to the scene it was still on its roof and a tow truck was trying to flip it back over.

Luckily neither of our kids were hurt (not even a scratch!) as they were properly restained in child seats mounted in the back seat. My wife wasn't as lucky though. She had a fractured wrist, torn meniscus in her knee, a herneated disc in her neck, and lots of bruising. She ended up getting a removable cast on her wrist and surgery on her knee. For her neck she had various injections and physical therapy. Her doctor said that although there was neck injury but it wasn't bad enough for surgery but she'll most likely always have some pain for the rest of her life.

Nowadays she is much better overall but she does still occasionally have mild pain in her knee and neck. She'll probably have some pain the rest of her life.

Nothing of that magnitude had ever happened to either of us so we were kind of clueless on what to do. After talking to many people whose opinions we trusted we decided to get a lawyer. We did so BEFORE talking to the old man's insurance adjuster who had already contacted us. We weren't out to sue for millions but our Explorer was totalled and she did have injuries that would affect her for life.

We're both glad that we hired a lawyer. Just like the ambulance-chaser commercial say, the other guy's insurance company is going to do whatever they can to pay as little as possible. If we hadn't had a lawyer I'm sure they would've probably paid for our car, some medical bills, and a token sum for pain & suffering, if we were lucky. Our lawyer didn't have to sue but represented us when dealing with the insurance company. We ended up getting quite a bit more than I ever thought we would have (our kids' future college educations are now paid for and then some) but it's not like we were able to retire afterwards.

I don't like frivolous lawsuits (like you see in the news) but I do believe in the right to sue (often it is the only means of justice) and fair compensation. I've been in wrecks before and never thought about getting a lawyer, I wasn't really hurt and just wanted my car fixed. Injuries are a different matter though. How badly were you hurt and how will those injuries affect you later in life? Be honest with yourself and let that determine if you need legal representation.
 
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I was a passenger in my friend's car when we were T-boned by another car turning left. Driver never saw us amongst all that traffic. My friend who was driving got paid like $4000 for injuries and I got $3200 for mine. I went to a chiro so I don't know if that had anything to do with it or not. This was years ago when I was 16.

Now, my other friend was broad swiped by a old lady on the freeway. He was on his bike exiting when the old lady from the FAR LEFT LANE (mind you, we're talking about the car pool lane) did a quick exit, passing all three lanes in a matter of seconds, hitting my friend on his bike who was exiting the same exit. She hit my friend, launched him off the freeway into the ditch/bank causing severe injuries where he couldn't walk, bath, feed himself, or anything for years.

I asked if he's suing and how much he's expecting, and he told me somewhere in the six figures.
 

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Discussion Starter #18
i refused treatment at the scene, rode home and was driven to the ER. i am going to see a groin and hip specialist on monday. something is def. wrong with a mucsle ,tendon or ligament. i am no professional but i think these injuries will bother me for a long time? doesanyone know about groin and or hip injuries, could give me some info.
 

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I don't know about your injuries but having "proof" of them will help your case. In my wife's case we had x-rays of her physical injuries that proved that she had been injured. Our lawyer told us that had it been just a matter of "my neck is sore" with no proof then that won't get you very far compensation-wise. I'm not doubting that you are hurting, just saying it may be hard to bolster your claim if you don't have proof.

You do want to have yourself checked out so it's good that you are going to see a specialist. It could be worse than it feels. When my wife was at the ER after her wreck she told me that her wrist was hurting a little but she was tired of being there and just wanted to go home. I insisted that we notify the ER doctor about it and that she be checked out since you never know. She agreed with me and we told the Dr. He had x-rays done and sure enough her wrist had been fractured.
 

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If you are injured you NEED to get a lawyer. I'm in the process of of a suit because my med bills were over the amount of the other person's insurance coverage so the only way for me to get what was due was to sue. GET A LAWYER. And believe me, I am not for suing to get unnecesary money, It's just that attornies have options to serve you that you don't have access to alone.
 
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