7 Common Insurance Myths After a Motorcycle Accident

After a motorcycle wreck in Albuquerque, dealing with insurance can be a challenging process. It’s confusing and stressful, and much of what you may have heard about it isn’t even true. When emotions are high, bad info spreads fast. If you’ve been through it, figuring out what’s factual and what’s common insurance myths going around, it makes a significant difference.

Let’s break down seven of the most common insurance myths that could cost you time, money, and peace of mind if you don’t know the facts.

1. “The At-Fault Driver’s Insurance Will Automatically Cover Everything.”

Not always. New Mexico follows a fault-based insurance system in injury accidents, meaning the at-fault party is responsible for damages. However, that does not mean their insurance company will willingly hand over a fair check. They will often downplay injuries or argue about liability. You will likely have to fight to secure the payout you deserve after an accident.

2. “If I Have Full Coverage, I’m Covered for Any Situation.”

Having “full coverage” sounds comforting, but this doesn’t guarantee protection in every conceivable scenario. Many riders are shocked to discover that their policy excludes custom parts, medical bills, or uninsured driver coverage. Always check the fine print, especially if you regularly ride around Albuquerque, where traffic and weather conditions vary wildly. Doing so can help you adjust your coverage to more effectively meet your needs.

3. “I Do Not Need to Report the Crash If I Feel Fine.”

Some injuries – like whiplash, internal bleeding, or even mild traumatic brain injuries – do not show up right away. Skipping a medical check or failing to report the accident could hurt your claim later. Insurance companies might argue that your injuries were not serious or didn’t result from the crash at all.

4. “My Insurance Premium Will Skyrocket If I File a Claim.”

If you were not at fault, your premium might not go up. That said, it depends on your policy and provider. In many cases, not filing a claim and paying out-of-pocket could significantly cost you more in the long run if injuries or other losses worsen.

5. “If the Other Driver Has Insurance, I Do Not Need to Use My Own.”

Even if the other driver has insurance, it might not be enough. New Mexico requires a minimum of $25,000 in bodily injury liability coverage per person. That can vanish fast in a motorcycle crash. If your damages exceed that, you will need to lean on your own uninsured/underinsured motorist coverage – if you have it.

6. “Motorcyclists Are Always at Fault.”

This stereotype still lingers, but it is not based on fact. Motorcyclists have the same rights as any other motorist in New Mexico. Blame is determined based on evidence – police reports, witness statements, and accident reconstruction – not assumptions about who was riding what.

7. “The Insurance Adjuster Is on My Side.”

This one might sting a little, but they are not. Insurance adjusters work for the company – not for you. Their goal is to settle claims quickly and for as little money as possible. They may seem friendly, but they are trained to ask leading questions or push lowball offers when you are still overwhelmed.

No More Guesswork After a Crash

Motorcycle accidents can turn your world upside down in seconds, but the insurance side does not have to be a mystery. Separating fact from fiction early on can make a huge difference in how smoothly the process of pursuing compensation goes for you. Familiarize yourself with the details of your policy and ask your insurance company to clarify anything that’s unclear.