“I have felt very well taken care of in my case and represented well. Tyler has been very good at communicating with me and helping me get the care I need.” — Emily Soulier
“Every time I called or went in to their office I felt I was treated like family.” — Christiana K
“I spoke with Ty who couldn’t have been better. Very knowledgeable, and gave me some amazing advice on the best way to move forward.” — David Hughes
“I had the opportunity to work with Brian Coutts after I was involved in an accident. Brian was great to work with, very professional. He was able to work with both medical and vehicle insurances to make sure everything was taken care of. Thanks Brian!.” — Shawn Warren
Get medical care first if you’re hurt. Don’t skip treatment because you’re worried about the bill. If you live in a no-fault state, PIP (Personal Injury Protection) coverage typically pays for immediate medical expenses regardless of who caused the accident. In other states, MedPay coverage may provide similar benefits. If those don’t apply, your health insurance typically covers treatment and seeks reimbursement from the at-fault party’s insurer later.
Document everything you can: take photos of the scene, your bike, any vehicles involved, and your injuries. Get contact information from witnesses and the other party. File a police report if possible. Keep all medical records and receipts.
Medical bills are typically covered in this order: First, PIP or MedPay coverage if your state requires it. Second, your health insurance steps in if no PIP is available, then seeks reimbursement through subrogation. Third, many medical providers will treat you under a lien arrangement, where they’re paid directly from your eventual settlement.
This payment structure often keeps your out-of-pocket costs at zero while your claim moves forward. Don’t avoid follow-up care because you’re worried about creating bills you can’t afford.
You can handle it yourself, but most people with valid claims end up with more money in their pocket when they have attorney representation, even after paying legal fees. The insurance company has experienced adjusters and lawyers working to minimize what they pay you.
Nuttall Brown helps you understand whether your specific situation is one where an attorney would likely improve your net result. Some straightforward cases with clear liability and minor injuries might work for DIY. Complex cases with serious injuries, disputed fault, or multiple parties usually benefit from professional help.
Rules vary by state. Some states reduce your compensation based on your percentage of fault. Others bar recovery if you’re more than 50% at fault. Some states follow contributory negligence rules, which can affect recovery options.
Avoid speculating about fault percentages or making statements about what you think happened. Insurance adjusters are trained to get information that could hurt your claim. Use ZAF for general guidance about the process, then consult a licensed attorney for advice specific to your situation and state laws.
The AI assistant is completely free with no signup required. The DIY bundle starts around $49.99 and includes a case summary draft, attorney consultation to review it, and educational materials. If you later switch to full-service representation, that bundle fee gets refunded.
Full-service representation works on contingency, meaning zero upfront attorney fees. The firm only gets paid if you recover money from your claim.