Insurance Challenges in Washington Motorcycle Accident Claims

For motorcyclists in Washington, the ride comes with risks, and not just on the road. After a crash, getting fair treatment from an insurance company can feel like hitting another wall. Between serious injuries, unfair stereotypes, and complex claim processes, many riders find out too late that the real battle starts after the accident.

At Gilbert Law Firm, we help injured riders in Spokane and throughout Washington fight back when insurance companies try to dodge responsibility. This blog breaks down the most common insurance hurdles after a motorcycle accident and what you can do to protect your rights, your health, and your claim.

Motorcycles are smaller, less visible, and offer less protection than cars. But when an accident occurs, it’s not always the motorcyclist’s fault. Unfortunately, insurers often assume otherwise.

Common complications include:

• Bias against riders. Some adjusters believe riders are naturally reckless, even if the other driver was clearly at fault.
  
• Severe injuries. Motorcyclists often suffer serious injuries, which can lead to higher-value claims and more pushback from insurers.
  

Disputes over fault. Insurance companies may try to blame the rider, even in situations where a driver’s negligence caused the crash.

In Washington, the driver who is at fault typically pays for the damages. However, insurance coverage and compensation can vary depending on the situation.

Here are a few policies that may come into play:

• Liability insurance: Covers injuries or damages you cause to others. All Washington motorcyclists are required to carry at least $25,000 in liability coverage.
  
• Uninsured/Underinsured Motorist (UM/UIM): Helps if the at-fault driver doesn’t have enough insurance, or any at all.
  
• Personal Injury Protection (PIP): Not required for motorcycles in Washington, but can cover medical expenses and lost wages.
  

Collision coverage: Pays for damage to your motorcycle regardless of fault.

Unfortunately, insurance adjusters aren’t always looking out for your best interests. After a motorcycle accident, it’s common for insurers to:

• Minimize your injuries or claim they were pre-existing
  
• Blame the motorcyclist for causing or contributing to the crash
  
• Delay the claims process in hopes you’ll settle quickly
  
• Offer lowball settlements that don’t come close to covering your losses

What to watch for:
If the insurance company asks for a recorded statement, be cautious. They may try to use your words against you later. Always talk to an attorney before giving detailed information.

If you’ve been injured in a motorcycle accident in Spokane or anywhere throughout Washington, taking the right steps early on can make a big difference in your case.

Here’s what to do:

• Get medical attention immediately, even if you feel okay at first
  
• Document everything: the accident scene, road conditions, vehicle damage, and your injuries
• Request the police report and collect contact information from witnesses
  
• Avoid discussing the crash on social media or with insurance adjusters without legal advice
  

Contact a motorcycle accident lawyer to protect your rights and handle communications with insurers

Washington follows pure comparative negligence, which means your compensation can be reduced by your percentage of fault. For example, if you’re awarded $100,000 but found 30% at fault, you’d receive $70,000.

This makes it even more important to push back against false blame from insurance companies. A strong legal strategy, and the right evidence, can protect your claim.

Insurance challenges can quickly become overwhelming, especially when you’re recovering from serious injuries. At Gilbert Law Firm, we help riders across Spokane and Washington state fight back against unfair tactics and demand the compensation they deserve.

Our team investigates the crash, builds a strong case, and handles the insurance companies for you, so you can focus on healing.

If you’ve been injured in a motorcycle crash, don’t wait. Call Gilbert Law Firm at (509) 321-0750 or reach out online to schedule a free consultation today.