Step-by-Step Guide to Filing a Motorcycle Accident Claim in Maryland

At Southern Maryland Law, we understand that being involved in a motorcycle accident is a traumatic experience. The aftermath can be overwhelming—medical bills pile up, you may be unable to work, and insurance companies might not have your best interests at heart.

Filing a motorcycle crash claim is essential to securing compensation for your injuries, lost wages, and property damage. However, Maryland’s strict laws and insurance practices make it critical to follow the correct steps to maximize your chances of success.

1. Prioritize Immediate Medical Attention

Your health and safety should always come first after an accident. Even if you feel fine, some injuries, like concussions or internal bleeding, may not present symptoms immediately. Seeking prompt medical attention ensures that injuries are diagnosed and treated.

Delaying medical care can worsen injuries and give insurance companies a reason to argue that your injuries weren’t serious or caused by the accident. Doctor’s reports and hospital records serve as crucial evidence in your motorcycle crash claim, proving the severity of your injuries.

2. Document the Accident Scene

Proper documentation strengthens your case and provides evidence of what happened. The more details you can collect, the better your chances of proving fault and securing fair compensation. If possible, try to:

• Take photos and videos of the scene,
• Get witness statements, and
• Obtain the police report.

This evidence can be crucial when negotiating with insurance companies or presenting your case in court.

3. Notify Your Insurance Company

Filing a claim with your insurance company is a necessary step in the process. However, how you handle this interaction can impact the outcome of your claim. When speaking with your insurer, provide basic information about the accident but avoid admitting fault or giving recorded statements without legal advice.

Beware of quick settlement offers. Insurance companies may offer a low settlement early to close the case quickly. These initial offers often do not cover long-term medical expenses or lost wages. Before accepting any settlement, consult a Waldorf motorcycle accident lawyer to ensure you get the compensation you deserve.

4. Calculate Your Damages for Your Motorcycle Crash Claim

Understanding the full scope of your losses is essential when negotiating a fair settlement. Compensation should cover:

• Medical costs,
• Lost wages, 
• Property damage, and 
• Pain and suffering.

An attorney can help you accurately calculate these damages and fight for fair compensation.

5. Consult a Personal Injury Lawyer

Navigating a motorcycle crash claim alone can be difficult, especially when dealing with Maryland’s strict negligence laws. Hiring a lawyer gives you a better chance of securing the compensation you need. An experienced motorcycle accident attorney can help you with:

• Case evaluation. A lawyer will assess your claim’s strength and estimate its value.
• Negotiation with insurers. Attorneys have experience dealing with insurance companies and can counter lowball offers.
• Litigation support. If the insurer won’t offer a fair settlement, your attorney can represent you at trial.

At Southern Maryland Law, we have decades of experience handling motorcycle accident claims and know how to fight for your rights.

6. Be Mindful of the Statute of Limitations

You don’t have unlimited time to file a claim. Maryland law sets a strict deadline for personal injury cases. The statute of limitations for filing a motorcycle crash claim is three years from the accident date. If you fail to file within this timeframe, you may lose your right to recover damages. Starting your claim as soon as possible ensures you don’t run out of time.

7. Avoid Common Pitfalls

Many accident victims unknowingly make mistakes that weaken their claims. Avoiding these pitfalls can protect your case:

• Don’t admit fault. Even apologizing at the scene could be used against you later;
• Keep all records. Maintain a file with medical records, repair estimates, and correspondence with insurance companies; and
• Stay off social media. Posting about your accident or injuries online could give insurers a reason to dispute your claim.

Maryland follows a strict contributory negligence standard, meaning if you are found even 1% at fault for the accident, you may be barred from recovering damages. By steering clear of these missteps, you strengthen your case and improve your chances of receiving fair compensation.

Get the Help You Need Today

Filing a motorcycle crash claim in Maryland can be challenging, but you don’t have to do it alone. The sooner you start, the stronger your case will be. At Southern Maryland Law, we’ve been helping injured riders for over 60 years.

We know the challenges you face and are here to guide you every step of the way. Contact Southern Maryland Law today for a free consultation, and let us help you fight for the compensation you deserve.