Rittgers Rittgers & Nakajima
Rittgers Rittgers & Nakajima


Charles M. Rittgers, Charles H. Rittgers, Eric P. Allen
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Helping Ohio’s Bikers Take On Tricky Insurance Companies

Last updated on April 12, 2024

After an accident, motorcycle riders are more likely to deal with insurance issues than caged drivers. In addition to problems such as uninsured/underinsured drivers, bikers are more likely to exhaust policy limits because the bodily injury they often suffer is much greater than passenger car injuries. It is no secret that there is a perception that bikers’ claims are worth less than other claims because bikers engage in risky behavior by riding a motorcycle. This is not supported by the law and should be dealt with aggressively.

At Rittgers Rittgers & Nakajima, we’re experienced in handling the unique challenges that motorcyclists in Ohio and Kentucky face. Despite the common stigma motorcycle accident injury victims face, our Ohio attorneys have been able to successfully recover damages for the fair value of injuries for our motorcyclist clients. From our primary office in Cincinnati, we serve clients throughout the tri-state Cincinnati region.

What If The Driver Doesn’t Have Insurance?

You have been hit by a car and learn that the driver does not have insurance. Hopefully, you are insured and have good uninsured/underinsured (UM/UIM) coverage. Even if you do not have UM/UIM, you may still have options. Employer automobile insurance policies, other household automobile insurance policies, and the motorcyclist’s UM/UIM policy should all be examined. Further, an attorney can help ascertain whether the insured at-fault motorist has money or assets that could help satisfy a judgment.

What If Your Medical Expenses Exceed Your Insurance?

Motorcycle collisions can cause catastrophic injuries and permanent disability. It is not uncommon for medical costs to exceed your liability coverage. At no time is it more important to have an experienced attorney advocating on your behalf. There may be other options available to you. In addition, medical expense liens can be negotiated down to help put more money in your pocket despite low liability limit coverage.

Talk To A Lawyer If The Insurance Company Offers A Settlement

When personal injuries are involved, never accept a payment from an insurance company without first consulting a motorcycle accident lawyer. Insurance adjusters and agents attempt to minimize payouts. Are they compensating you just for medical bills and the damage to your bike? Does the offer consider the physical pain you have suffered or the long-term impact the injuries have on your quality of life? Did you sustain scarring or disfigurement and does the insurance offer fairly compensate you for it?

You only have one chance to recover from your injuries. If you accept a settlement prior to knowing the extent of your injuries, you could be forced to deal with future medical bills and lost wages without coverage from liability insurance. Once you accept an insurance offer, you generally forfeit your right to file suit.

Feel free to visit our page that discusses the strategies that insurance providers use in accident claims.

It is not sufficient to hire a lawyer. You need to hire a lawyer who has experience taking motorcycle cases to trial and success settling motorcycle cases. To see more about the verdicts and settlements our firm has achieved, please visit our Sample Cases page.

Discuss Motorcycle Insurance Issues With A Cincinnati Attorney

Sit down with a motorcycle accident lawyer from Rittgers Rittgers & Nakajima prior to speaking with your insurance company. We have office locations in Cincinnati, Florence, Oxford, West Chester and Lebanon. We help injured bikers throughout southwestern Ohio. Call us at 513-496-0134 or send us an email for a consultation.

Rittgers Rittgers & Nakajima

Rittgers Rittgers & Nakajima

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