Thanks i just called a lawyer. I guess i never know if injuries might be long term. This is getting scary! i was just happy i was alive. now for the after math.
Having a lawyer represent you is your best option on multiple levels:
- they will make sure you take care of your injuries properly and don`t get rushed into making any decision,
- they will tell you what to do and when to do it,
- they will make sure you don`t get screwed by the other party's insurance, lawyer, or even your own insurance (they will try to close the case as quickly as possible, even if you`re their customer),
- they will try to reduce all your medical bills, and work with your own motorcycle/health insurances to get them to pay more,
- they will make sure you get fully covered for your property damage (bike) and negotiate a proper "pain and suffering" package for you...
I discovered this whole process recently myself, and I have to say there are so many ways you can screw yourself or get screwed, it`s very scary... they know every loop hole, every trick in the book to make sure you are properly covered, plus, they give you a piece of mind, which is important, so you can focus on getting better, and not stress over all the bs involved in the aftermath. They`re expensive, but they`re worth every penny imo.
Was there a police report? Was the other party issued a ticket? Don`t talk to your insurance or anyone about the accident... have your lawyer do that for you (you can talk about the property damage with your insurance, but not the accident itself).
Also, get your lawyer to check the other party's insurance coverage, so you can see right away what you`ll be working with... typically, if indeed the other party is confirmed to be at fault, the overall $$ package should be about 3 times the cost of all your medical bills... so if you end up with $10k in medical bills, the other party will have to pay out $30k... then the $30k is divided into 3 equal parts... one to pay the medical bills, one to pay the laywer bills and the last one to cover your pain and suffering. This excludes the property damage package (for your bike).
Of course all that depends on what coverage the other party has, along with your own coverage... if they only have $15k liability coverage, that`s all you`ll be able to get from their insurance, unless the other party is very rich and you want to sue them directly.... or if you have uninsured or underinsured coverage on your own... do you have medpay? it's very good to have that as well, as it can be used to get cash in your pocket right away to cover the early medical bills you`ll be getting (before the case is settled you`ll have to start payments yourself)...
Keep us updated and let us know if you have questions... I am still settling my case here as well, and I`ve learnt quite a lot lately, so I`ll do what I can to help if I can.
Good luck!