Dealing With Insurance Adjusters After a Motorcycle Crash in California
The adjuster who calls soon after a motorcycle crash is friendly, but their job is to resolve your claim for as little as possible — and with riders, they often start from the assumption that you were at fault.
The recorded-statement trap
You are generally not required to give a recorded statement to the other driver's insurer, and it is usually wise not to before you understand your injuries. An early statement can be used to minimize your claim or to build the 'reckless rider' narrative.
Anti-rider tactics to expect
Expect suggestions that you were speeding, that lane splitting made it your fault, or that your gear or lack of a helmet caused your injuries. These are arguments, not facts, and each can be answered with evidence rather than accepted.
Why first offers are usually low
Early offers are made before your treatment is complete and are often far below the claim's value — and once accepted, they usually close the claim for good. Understanding what your claim is worth before you respond is the protection.
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Frequently asked questions
Should I give the insurance company a recorded statement?
Usually not to the other driver's insurer, and it is wise to get advice first. An early statement can be used to minimize your claim or to paint the rider as at fault.
California law — what people ask
How long do I have to file an injury claim in California?
Generally two years from the date you were hurt. If a government entity is involved — a city vehicle, a public road, a public hospital — you usually have to present a formal claim to that agency within roughly six months before you can sue at all, which catches people out far more often than the two-year date.
Can I still recover if I was partly at fault in California?
Yes. California uses pure comparative negligence, so your recovery is reduced by your percentage of fault rather than barred — even if your share turns out to be the larger one. There is no cutoff percentage that ends a claim here.
Does California cap what I can recover?
Not in an ordinary injury case. Medical-malpractice claims are the main exception, where non-economic damages are limited by a cap that steps up over time. For most claims — car crashes, falls, defective products — there is no statutory ceiling.
What if more than one person was responsible?
California splits the analysis: defendants can be jointly responsible for your economic losses such as medical bills and lost income, while non-economic damages like pain and suffering are apportioned to each defendant by its own share of fault.
The driver who hit me had no insurance. What now?
Your own uninsured or underinsured motorist coverage is usually the answer, and it commonly applies to hit-and-run collisions as well. Check every policy in the household, not only the one covering the car you were in.
Will the jury hear that my health insurance paid my bills?
Generally not. California follows the collateral source rule, so a wrongdoer does not get credit for insurance you paid for. How your medical damages are measured is a separate and often contested question.
Injury law in California
California injury law shapes your case in a few specific ways worth knowing early.
- Filing deadline: You generally have two years from the date of the injury to file — and only about six months to put a government entity on notice before you can sue.
- Fault: California follows pure comparative negligence, so you can still recover even if you were partly — or mostly — at fault, with your recovery reduced by your share of the blame.
- Damage caps: An ordinary California injury case has no cap on damages; medical-malpractice claims are the main exception.
- Uninsured drivers: California sets minimum auto-insurance limits and uninsured/underinsured-motorist rules that affect what coverage is available.
Related motorcycle accident types
California injury law
This is general information about California injury law, not legal advice. Every case is different.
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