In any injury claim - whether it be negligence, car accident or workplace related - dealing with the insurance company is the most critical step you have to take before going to court. All injury cases are serious, but the high speeds at which motorcyclists ride often cause crashes and injuries that cannot be paid for without insurance help.
It is the insurance company's job to make money and therefore they are loath to pay most claims. They are required by law to pay for any of their insuree's accidents if they were deemed negligent in a Denver motorcycle crash. The expenses that must be paid are: all medical expenses, lost work and income, physical rehabilitation or permanent disabilities, property damage, and the social and emotional losses from the accident.
The last two - social and emotional effects are not as easy to add up as simple property damage and medical bills. So insurance companies use a kind of formula where they multiply the normal damages by a factor to get the number that includes pain and emotional trauma. The usual range is around 1.5x to 5x the normal damages depending on the type of injury. So one of the most important jobs for a Denver injury lawyer is to get that multiplier up as high as possible.
The insurance adjuster takes the formula - general expenses times a multiplier plus lost income to get a starting number. This is the number your Denver motorcycle attorney must show is as much the other person's fault as possible. The process is not over because this number is often negotiated. Then the number is reduced by comparative liability to whatever amount the negligent person was liable for.