| The bills don’t stop because you can’t work. Here’s what moves first and what moves next. |
STEP 1: FILE YOUR PIP CLAIM — TODAY
A Texas motorcycle accident lawyer from Road Justice can review your policy and help ensure your PIP benefits are properly filed, calculated, and paid without unnecessary delays or reductions.
PIP (Personal Injury Protection) is no-fault coverage on your own motorcycle policy. It pays your medical bills (100%) and lost wages (80%) immediately — no fault determination required, no waiting for the other driver’s insurance to cooperate.
- Call your insurance company today and say: “I was in a motorcycle crash and I need to file a PIP claim.”
- Texas law requires payment within 30 days of satisfactory proof
- If you didn’t sign a written rejection form, you may already have PIP — call and ask
| Minimum PIP is $2,500 — not enough. If you have $10,000 or more, file now. If you only have $2,500, file now and use your health insurance for the rest. |
STEP 2: CALL YOUR LENDER BEFORE YOU MISS A PAYMENT
If you have a motorcycle loan, call before the due date — not after. Explain that you were injured in a crash and cannot work. Ask specifically about:
- Forbearance — payments are paused and added to the end of the loan
- Deferment — missed payments moved without penalty
- Modified payment plan — reduced payments during recovery
Also ask: “Do I have any credit disability insurance attached to my loan?” This can make your payments or pay off the balance entirely if you’re injured and can’t work. Many riders have it and don’t know.
STEP 3: USE YOUR HEALTH INSURANCE FOR MEDICAL BILLS NOW
Don’t wait for the injury case to settle. Send all medical bills to your health insurer immediately. This keeps providers from sending you to collections during the months your case takes to resolve. A trusted motorcycle accident attorney in Texas handles the subrogation question at settlement.
STEP 4: DOCUMENT EVERY DOLLAR OF LOST WAGES
- W-2 employees: employer letter confirming days missed and rate of pay, plus recent pay stubs
- Self-employed: tax returns from the prior two years, bank statements, contracts for work you couldn’t complete
Every documented day of missed work is money you can recover in your case. Every undocumented day is money left behind.
IF YOU NEED CASH NOW
Medical providers will often treat you on a lien basis — they treat you now and collect from your settlement later. Pre-settlement funding (a cash advance against your expected settlement) is also available as a last resort. Talk to your attorney before signing anything with a funding company.
| Road Justice Tip: The financial crash after a motorcycle injury is survivable — but only if you move quickly. PIP first, lender second, health insurance third. Don’t wait for the case to resolve before taking these steps. |
Contact a skilled Texas motorcycle accident lawyer — even if you never hire us.