Texas Motorcycle Insurance Claim Lawyers Who Mean Business
Helping Texas riders deal with health and insurance disputes after a crash
After a Texas motorcycle accident, insurance companies often become the biggest obstacle between you and your recovery. Health insurers point fingers at motorcycle insurers, motorcycle insurers blame someone else, and meanwhile, your medical bills keep coming. Many riders don’t realize how complicated these claims can become until they try to handle them alone.
For more than 30 years, Smith & Hassler has helped injured motorcyclists across Texas take control of the insurance process. Our Houston motorcycle accident lawyers know how to cut through confusion, expose insurer delays, and demand fair settlements for riders hurt by negligent drivers. We make insurance companies honor the coverage you’ve paid for and hold others accountable when they don’t.
If you were injured or a loved one was killed in a Texas motorcycle accident, contact us today for a free consultation. A member of our legal team is available 24/7 to answer your questions and explain your right to maximum compensation.
FAQs about Dealing With Insurance After a Texas Motorcycle Accident
- How do insurance companies make the claims process difficult for injured victims of Texas motorcycle accidents?
- Does health insurance cover motorcycle accident injuries or does motorcycle insurance cover medical expenses after a crash?
- How do I file a claim for insurance after a motorcycle accident in Texas?
- What happens if the person who hit me does not have insurance?
- What affects compensation after a Texas motorcycle accident?
- Should I talk to the insurance company after a motorcycle crash?
- Can I file both a motorcycle insurance claim and a health insurance claim for the same accident?
- What is subrogation, and how can it affect my motorcycle accident settlement?
- Does uninsured or underinsured motorist coverage apply to motorcycle crashes in Texas?
- What if my motorcycle accident claim is denied by the insurance company?
- Can an insurance company refuse to pay if I was not wearing a helmet?
- How long does it take to settle a motorcycle insurance claim in Texas?
- Do I need a lawyer to handle my motorcycle insurance claim?
- Why should I hire Smith & Hassler to deal with the insurance company after a motorcycle crash?
How do insurance companies make the claims process difficult for injured victims of Texas motorcycle accidents?
Health insurance can cover emergency treatment after a motorcycle crash, but that does not mean the process will be simple. Riders often face unexpected bills, confusing paperwork, and delayed payments while trying to focus on recovery. Hospitals and insurers frequently disagree about who pays first, leaving victims caught in the middle.
Insurance companies can make the process harder in several ways:
- Delaying or denying payment: Insurers often claim they need additional documentation or verification before releasing funds.
- Blaming another policy: Motorcycle and health insurance companies may each insist the other is responsible for paying first.
- Demanding repayment through subrogation: After covering initial care, insurers may seek reimbursement from your final settlement.
- Challenging medical necessity: Adjusters sometimes argue that certain treatments or therapies were unnecessary to limit what they owe.
- Underpaying claims: Insurers may use internal pricing systems to reduce payments for hospital bills, surgeries, or rehabilitation.
These tactics can reduce the amount you take home after settlement and add stress when you need support the most. Smith & Hassler takes over these negotiations and shields clients from unnecessary hassle. Our attorneys review every medical bill for accuracy, communicate directly with insurers, and push to eliminate or reduce repayment demands. We coordinate between your health and motorcycle insurance providers so you do not get stuck in the middle of their disputes. Most importantly, we make sure your settlement covers your real needs, medical care, long term treatment, and financial security, without letting insurers take what you have already fought to win.
Does health insurance cover motorcycle accident injuries or does motorcycle insurance cover medical expenses after a crash?
Texas law requires every motorcyclist to carry a minimum amount of liability insurance known as 30/60/25 coverage. This means at least $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage. These minimum limits only pay for injuries and property damage that you cause to others. They do not cover your own medical bills or damage to your motorcycle.
Many motorcycle policies offer Medical Payments (MedPay) or Personal Injury Protection (PIP) coverage that can help pay for hospital bills, rehabilitation, and lost income, regardless of who was at fault. If you did not include those options in your policy, your health insurance may step in to pay for treatment, but you could still be responsible for deductibles, copays, and uncovered balances. A lawyer who understands state insurance laws and policy fine print can identify every available source of compensation and make sure no insurer escapes responsibility.
How do I file a claim for insurance after a motorcycle accident in Texas?
Filing a motorcycle accident claim in Texas can quickly become a full time job. To protect your rights and preserve evidence, take each step carefully and on time.
- Report the crash to police and your insurance company as soon as possible.
- Document everything, including medical visits, photos of injuries, and damage to your motorcycle.
- Avoid recorded statements without speaking to an attorney first. Insurers use them to limit payouts.
- Keep all communication written so there is a record of what was said and promised.
- Contact an experienced lawyer who knows how to navigate motorcycle insurance claims and handle negotiations.
Following these steps helps establish a strong claim, but insurance companies may still delay, dispute, or deny payment. A law firm that knows their tactics is the best way to prevent them from taking advantage of you.
What happens if the person who hit me does not have insurance?
If you were injured and the at fault driver was uninsured, you still have options. Many Texas riders carry uninsured or underinsured motorist (UM/UIM) coverage, which can pay for medical bills, lost wages, and pain and suffering when the other driver has no or too little coverage. Even without UM/UIM, health insurance can help with immediate treatment, though reimbursement may be required later from any settlement. If neither party has adequate insurance, Smith & Hassler investigates other potential sources of compensation, such as third party liability claims or defective road conditions.
What affects compensation after a Texas motorcycle accident?
The average insurance settlement varies widely. Minor injury claims might settle for tens of thousands of dollars, while severe crashes involving paralysis, spinal cord injury, or traumatic brain injury can result in settlements or verdicts reaching hundreds of thousands or even millions.
- Severity of injuries: Long term or permanent injuries increase value.
- Extent of medical treatment: Hospital stays, surgeries, and rehab add measurable costs.
- Fault and liability: Clear evidence of another driver’s negligence strengthens your case.
- Insurance coverage: More policies or responsible parties can increase recovery.
- Legal representation: Insurers pay more when a proven trial firm is involved.
Our attorneys use medical evidence, expert testimony, and financial analysis to push for every dollar you deserve.
Should I talk to the insurance company after a motorcycle crash?
Report the crash, but avoid recorded statements or detailed interviews without a lawyer present. Adjusters often try to get riders to admit partial fault or downplay injuries. Anything you say can be used to reduce your payout. Having a lawyer handle communication protects your rights and prevents insurers from twisting your words.
Can I file both a motorcycle insurance claim and a health insurance claim for the same accident?
Yes. Your motorcycle insurance can cover damages like property loss or MedPay, while health insurance helps pay for treatment. Insurers sometimes argue over who pays first, which can delay care and reimbursement. A lawyer can coordinate both insurers so bills are paid promptly and you keep as much of your settlement as possible.
What is subrogation, and how can it affect my motorcycle accident settlement?
Subrogation happens when your health insurer demands repayment from your settlement after covering initial medical bills. This can reduce how much money you take home. Insurers may overreach and seek more than allowed under Texas law. An attorney can negotiate or eliminate these claims to ensure your settlement benefits you, not the insurance company.
Does uninsured or underinsured motorist coverage apply to motorcycle crashes in Texas?
Yes. UM/UIM coverage protects riders hit by drivers with no insurance or too little coverage. It applies to many serious crashes, including hit and runs. Even your own insurer may resist paying. A lawyer can gather evidence, track down witnesses, and force your insurer to honor the coverage you have been paying for.
What if my motorcycle accident claim is denied by the insurance company?
A denial does not mean your case is over. Insurers often deny valid claims citing vague reasons like insufficient proof or policy exclusions. A lawyer can appeal, uncover additional evidence, and file a lawsuit if necessary to compel payment.
Can an insurance company refuse to pay if I was not wearing a helmet?
In Texas, adults over 21 may ride without a helmet if they meet requirements such as completing a safety course or carrying proper insurance. Insurers may argue that not wearing a helmet contributed to injuries, but that does not erase liability. Under the modified comparative fault rule, you can still recover compensation if you are less than 51 percent responsible. An attorney can challenge unfair blame and protect your rights.
How long does it take to settle a motorcycle insurance claim in Texas?
Most claims take several months, and complex or high value cases can last a year or more. Timing depends on injury severity, treatment length, and any dispute over liability. A lawyer keeps the case moving, meets deadlines, and prevents delay tactics that pressure you to accept less.
Do I need a lawyer to handle my motorcycle insurance claim?
Adjusters use delay tactics, low offers, and claims of shared fault to minimize payment. A lawyer levels the playing field by managing communication, collecting evidence, and negotiating directly with insurers.
- Protecting your rights: Do not say or sign anything that could hurt your claim.
- Handling evidence: Collect medical records, witness statements, and crash reports before insurers twist them.
- Negotiating for full value: Insurers pay more when an experienced trial lawyer is involved.
- Coordinating coverage: Ensure health and motorcycle insurers do not dispute or deny rightful payments.
The goal is to remove the stress of insurance so you can focus on recovery.
Why should I hire Smith & Hassler to deal with the insurance company after a motorcycle crash?
Insurance companies know which law firms accept low settlements and which fight for every dollar. Smith & Hassler has more than 30 years representing Houston motorcyclists and has recovered over $1 billion for Texans injured by negligent drivers and corporate insurers.
- Proven negotiation record: We prepare every case for trial, and insurers know it.
- Full service support: We handle medical billing disputes, subrogation, and claim denials.
- Catastrophic injury experience: Results for riders with spinal cord injuries, TBIs, and severe burns.
- No fees unless we win: Clients pay nothing upfront.
Hiring Smith & Hassler tells the insurance company you are serious. Our team knows how to fight and how to win against tough insurers in Texas.
Tell them you mean business
Smith & Hassler has recovered more than $1 billion for injured Texans and their families. We know how to handle motorcycle accident insurance claims, challenge bad-faith insurers, and win high-value settlements that reflect the true cost of serious injuries.
If you were injured in a Texas motorcycle crash and are struggling with the insurance process, contact us for a free consultation. You pay no fee unless we win your case. We’ll handle the fight so you can focus on recovery, not red tape.