Don’t Fall for These Insurance Tricks After a Motorcycle Accident in Texas
After a motorcycle accident in Texas, insurance companies move quickly. They may seem helpful, but their goal is to protect their bottom line, not your recovery. Many riders make costly mistakes by trusting adjusters who use proven tactics to delay, deny, or reduce payouts. If you have injuries, medical bills, or property damage, knowing these common insurance tricks is key to protecting your personal injury claim.
In this blog, you’ll learn the top five insurance tricks after a motorcycle accident in Texas and how working with an experienced Dallas motorcycle accident attorney can help you protect your rights, strengthen your claim, and secure fair compensation.
Trick #1: Pressuring You Into a Quick Settlement
After a motorcycle accident in Texas, insurance companies often try to settle fast. Their goal is to pay as little money as possible before you understand the full extent of your injuries.
Why They Act Quickly
Insurance adjusters will contact you early. They may seem helpful, but they are trained to close claims fast. A quick settlement often ignores future medical costs, lost wages, or long-term care.
The Danger of Early Offers
Initial offers usually cover only visible injuries and property damage. If you accept, you give up your right to claim more, even if new symptoms appear later.
You Have Legal Time
Texas law (Civil Practice and Remedies Code § 16.003) gives you two years to file a personal injury claim. You don’t have to decide right away.
What You Should Do
- Seek medical attention immediately
- Keep medical records and bills
- Don’t accept any offer without speaking to a motorcycle accident lawyer
A motorcycle accident lawyer can help you understand the real value of your claim and protect your right to fair compensation.
Trick #2: Twisting or Using Recorded Statements Against You
Insurance companies often ask for recorded statements after a motorcycle accident in Texas. What you say can be used to reduce or deny your claim.
Why They Want a Recorded Statement
Adjusters will tell you a recorded statement is routine. What they really want is evidence to use against you. Even small comments about your injuries, memory of the accident scene, or fault can be twisted. They look for anything that weakens your personal injury claim.
How It Hurts Your Case
If you say your injuries are minor or admit fault, it can reduce your compensation. Texas follows a modified comparative negligence rule (Texas Civil Practice and Remedies Code § 33.001). If you are found more than 50 percent at fault, you get nothing. Recorded statements help them build that argument.
What You Should Do
- Do not give a recorded statement without legal representation
- Politely refer the insurance company to your motorcycle accident attorney
- Stick to facts and avoid guessing if you must speak
A motorcycle accident lawyer will protect your words and your rights. Insurance tricks after a motorcycle accident often begin with your own statement. Speak carefully and get legal help early.
Trick #3: Disputing Medical Treatment or Downplaying Injuries
Insurance companies often try to reduce your compensation by questioning your injuries or the medical care you received after a motorcycle accident in Texas.
Their Goal Is to Pay Less
Adjusters may say your injuries are not serious or that you are overtreated. They might blame a pre-existing condition or claim that your injuries are not related to the motorcycle crash. These are common insurance tricks after a motorcycle accident meant to lower the value of your personal injury claim.
The Risk of Gaps or Delays in Treatment
If you wait to seek medical attention, insurers may argue you were not seriously hurt. Gaps in care or missed appointments weaken your case. They use these gaps to avoid paying for medical expenses, future care, and other costs linked to the accident.
How to Protect Your Claim
- Seek medical attention immediately
- Follow all treatment plans and document every visit
- Keep records of medical bills, diagnoses, and future costs
Legal Support Strengthens Your Case
A motorcycle accident lawyer will use your medical records and expert opinions to fight these tactics. With legal representation, you are better prepared to prove the full impact of your injuries and secure fair compensation.
Trick #4: Blaming You, Even When It’s Not Your Fault
Insurance companies often try to shift blame after a motorcycle accident in Texas to reduce or deny your personal injury claim.
How They Shift Responsibility
Adjusters may say you were speeding, not wearing a helmet, or riding recklessly. They might claim you were lane-splitting or ignoring traffic laws. These arguments are meant to place more of the fault on you and limit what they have to pay.
Why Fault Matters in Texas
Texas uses a modified comparative negligence rule. If you are found to be more than 50 percent at fault, you cannot recover damages. Even partial fault reduces your compensation. Insurance companies know this and often exaggerate your role in the accident.
Use Evidence to Defend Yourself
- Get a copy of the police report
- Collect witness statements
- Take photos of the accident scene, vehicles, and injuries
- Document all damage and medical care
A Lawyer Can Challenge False Claims
A motorcycle accident lawyer will investigate the accident and build a strong claim with key evidence. They will protect you from unfair blame and help you seek fair compensation for injuries sustained due to someone else’s negligence.
Trick #5: Misrepresenting Coverage or Denying Liability
Insurance companies may try to avoid paying by misrepresenting policy details or denying that their insured is responsible for the motorcycle accident.
Denying the Claim Without Just Cause
An adjuster might say the at-fault driver was not covered or that the policy does not include certain damages. They may claim you caused the accident or that your injuries are not related. These tactics delay the claims process and pressure you into giving up or accepting less.
Misleading You About Your Own Coverage
Some insurers deny valid claims under your uninsured or underinsured motorist coverage. In Texas, Insurance Code §1952.101 requires this coverage unless you rejected it in writing. If you have it, they must honor it.
Protect Yourself with Facts
- Request all policy documents in writing
- Document every communication with the insurance company
- Keep records of medical costs, lost wages, and property damage
Legal Representation Makes a Difference
A motorcycle accident lawyer will review your policy, verify coverage, and demand fair compensation. When insurance companies mislead you, legal action may be the only way to protect your rights and reach a fair settlement.
Consult With an Experienced Dallas Motorcycle Accident Lawyer ASAP!
If you’ve been injured in a motorcycle accident in Texas, insurance companies may attempt to minimize your compensation through various tactics. At Texas Lawyers 365, our experienced team is committed to protecting your rights and ensuring you receive the fair compensation you deserve.
Contact us at 800-800-8000 for a free case review today!
