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Workers Compensation: Your Safety Net


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Workers Compensation: Your Safety Net

You put your heart and soul into your job, so it seems only fair that you should be protected from harm while you’re there. Most good employers do go out of their way to provide safety training and equipment to keep their workers safe and protected from any hazards. Federal agencies, like the Occupational Safety and Health Administration, also have standards in place for employers to follow to keep their workers safe. However, sometimes accidents happen anyway, and when they do, workers compensation is meant to be your safety net. Most of the time, if you follow your company’s procedures for filing a workers compensation claim, you’ll be paid with no trouble. However, I know from experience that it isn’t always that easy. I started this blog to help you learn what to do when your company or their insurance company denies your workers compensation claim.

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What Settlement Amount Can You Expect From A Motorcycle Accident?

Your family member was just involved in a serious accident. You jump in to offer help where you can and find yourself making repeated phone calls to an insurance company that represents the at-fault driver. They take a few days and send your family member an offer to settle the matter, in full, for a small fraction of the medical bills.

It's normal to feel offended, helpless, and afraid in the days and months that follow a car accident. It's also normal to need the support of an accident attorney in deciding whether an offered settlement amount is reasonable. If you've found yourself questioning what settlement amount you can expect from a motorcycle accident, here are just a few factors to consider when deciding whether to take the settlement.  

Insurance Is a Business

Insurance companies are businesses first and foremost. They will look at a number of things when deciding whether to pay for a claim and when determining how much to offer. If you're lucky enough only to need your vehicle to be replaced, the settlement offer will typically be the estimated cost of replacing or repairing your vehicle. If you have a serious scratch on the body, the insurance company is likely going to offer to replace the panel. They aren't very likely to offer you a new motorcycle if the damage is cosmetic or easily repaired.  

Injury Settlements Are Complicated

Injuries are harder to settle because insurance companies price injury settlement separately from property damage. The insurance company will look at your current medical bills, some lost wages, and future complications that may arise from your injuries. A complicated area is found in pain and suffering damages. These damages are designed to pay you for the actual pain of being injured in a violent car accident. You need to participate in medical treatment, document all complications stemming from the accident, and work closely with motorcycle accident legal services if you are going to maximize your recovery for damages from pain and suffering.  

Injury Settlement Amounts Are Subjective

Insurance companies are likely to push back on pain and suffering claims, particularly when you are seeking compensation for future medical complications and psychological complications. They're also likely to limit payment to the policy limits of the at-fault party. If you suffered $200,000 of damages and the other driver only had a policy limit of $15,000, the insurance company will never pay more than $15,000 to resolve the matter. You'll need to sue the driver personally for the balance of the money.

Reach out to motorcycle accident legal services for more information.