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Fighting "Biker Bias": Why Insurance Companies Automatically Blame You

Reviewed by Jason Hicks on Jan 10, 2026 | Last Updated: Jan 12, 2026

When a car hits a motorcycle, the driver always says the same thing: "I didn't see him." But in the insurance office, the story changes. Suddenly, you were "speeding," "weaving," or "driving recklessly." We don't let them rewrite history.

Urgent Warning: Do Not Talk to the Adjuster

The insurance adjuster is trained to manipulate you. They will ask friendly questions like "How are you feeling?" to trick you into downplaying your injuries before you realize the extent of your spinal or brain trauma. Hang up and call us.

The "Biker Bias" is Real

There is a deep-seated prejudice against motorcyclists in Oklahoma juries. Defense lawyers know this. They will try to paint you as a reckless daredevil. They will scour your Facebook and Instagram for photos of you popping wheelies years ago to suggest you were "asking for it."

Our Strategy: We humanize our clients. We show the jury that you are a father, a veteran, a responsible citizen who was simply enjoying the freedom of the road when a negligent driver violated your right of way.

Common Crash Scenarios We Litigate

  • The Left-Turn Violation: This is the #1 killer. A car turns left directly across your path. They claim you were invisible. We use forensic experts to prove you were there to be seen.
  • Rear-End Collisions: A driver looking at their phone fails to stop at a red light, sandwiching you between vehicles.
  • Lane Change Failures: Drivers who don't check their blind spots before merging into you.

Post-Crash Critical Checklist

Evidence disappears fast. Protect your claim now:

Photograph the Scene: Skid marks, debris fields, and vehicle positions tell the story.
Preserve Your Gear: Do NOT wash your jacket or fix your helmet. Scrapes and impact points on your gear are physical evidence of how you hit the ground.
Get Witness Info: Bystanders often say "The car just turned right in front of him!" Get their number before they leave.

Catastrophic Injuries & Long-Term Care

Motorcycles offer zero protection. Even a low-speed crash can result in life-altering injuries. We specialize in calculating the lifetime cost of:

  • Traumatic Brain Injury (TBI): Even with a helmet, the brain can slam against the skull (coup-contrecoup), causing permanent cognitive deficits.
  • Spinal Cord Injuries: From herniated discs to paralysis requiring lifetime wheelchair accessibility and home modifications.
  • "Road Rash" (Traumatic Tattooing): This is not a scrape. It is a severe friction burn that often requires skin grafts and leaves permanent, painful scarring.

Did You Suffer a Head Injury?

Insurance companies often claim TBI symptoms are "just a headache." Learn how we prove brain damage even with normal MRI results.

Read About TBI Claims →

Oklahoma Helmet Laws: Know Your Rights

Defense lawyers love to argue "He wasn't wearing a helmet, so it's his fault." Legally, they are often wrong.

Is a helmet required by law? +
Only for riders under 18. If you are an adult, you have the right to choose.
Does not wearing a helmet ruin my case? +
No. It may affect damages for a head injury, but it has ZERO relevance if you suffered a broken leg or back injury. The driver's negligence caused the crash, not your choice of headgear.
Jason Hicks

About the Author

Jason Hicks is a trial lawyer who refuses to let insurance companies bully riders. He understands the physics of motorcycle crashes and knows how to dismantle the "Reckless Biker" defense in court.

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