The goal of an insurance company is to protect its policyholder and part with as little money as possible. In motorcycle accidents, especially, the insurer may either offer a low settlement or deny the claim of a rider altogether, asserting that the motorcyclist was at fault.
Prejudging the rider
If you are a motorcyclist, you have probably noticed that certain people seem to be prejudiced against you. Insurance company representatives are often of the same mindset. When a car-motorcycle crash occurs, some people assume it was the fault of the rider, and the insurance agent might take that position.
If the driver is found to be responsible, the reason will often be that he or she simply did not see the motorcycle. It is true that motorists are "programmed" to see other cars or trucks, not objects as small as a motorcycle, bicycle or pedestrian. However, using the I-did-not-see-you excuse is unacceptable and an example of negligence. Drivers are obligated to be aware of their surroundings at all times. Motorcycles are a common sight on Indiana and Kentucky roadways, and many riders go out of their way to be as visible as possible by wearing bright colors and using additional light sources on their bikes.
If you are faced with debilitating injuries, a mountain of medical bills and more, you need to focus on recovery. Let a professional deal with an insurance company that thinks the crash that resulted in those injuries was entirely your fault.