Motor scooter crashes can turn a normal day in Moorhead into a long recovery. Between busy corridors near the river, college traffic, and changing Minnesota weather, riders face unique risks. If you were hurt, you may be dealing with medical bills, missed work, bike repairs, and calls from insurance adjusters. Our goal is to help you understand your options, protect your rights, and move forward with confidence. This guide explains how claims work, what to expect in Clay County, and how Metro Law Offices supports riders and families after a scooter collision in Moorhead.
Every scooter case is different, and what matters most is building a clear, well-documented claim that reflects the full impact of the crash. We focus on timely evidence collection, accurate valuation of medical care and wage loss, and careful communication with insurers. Whether your accident happened downtown, near campus, or along a residential street, local knowledge helps. Metro Law Offices serves communities across Minnesota, including Moorhead, and we are available to answer questions and help you plan next steps. If you are unsure where to begin, a quick call can bring clarity and reduce stress in the days ahead.
Following a scooter accident, decisions made in the first days can shape the entire claim. Adjusters may ask for statements or authorizations that seem routine but can affect liability and damages. Guidance helps you avoid common missteps, preserve key evidence, and document the full scope of injuries. With support, medical records, wage details, photos, and witness information are organized to tell a clear story. You also gain a plan for dealing with coverage questions, including potential UM or UIM issues. The result is a claim that reflects your losses and positions you to pursue fair compensation under Minnesota law.
Metro Law Offices is a Minnesota personal injury law firm committed to clear communication, practical advice, and steady advocacy. We help injured clients throughout the state, including Moorhead and Clay County, navigate insurance claims from first call to resolution. Our team focuses on thorough investigation, consistent updates, and respectful service that treats your case with care. We understand how local roads, weather, and traffic patterns can influence a scooter crash and liability decisions. We also work on a contingency fee basis, so attorney fees are collected only if we obtain a recovery. Your energy should be on healing; we handle the legal legwork.
Legal representation for a scooter crash centers on investigating fault, identifying all available insurance coverage, and documenting every aspect of your damages. That includes emergency treatment, follow-up care, physical therapy, and time away from work. It also includes the long-term effects on your daily life. Your lawyer communicates with insurers, builds the claim with medical and financial evidence, and negotiates from a position grounded in facts. If negotiations stall, your case may move toward litigation. Throughout, you should expect guidance on records, appointments, and communications to keep your claim moving and reduce stress while you focus on recovery.
Minnesota law and policy language can shape a scooter claim in ways that differ from car cases. Coverage may depend on how your scooter is classified, what endorsements exist on each policy, and whether UM or UIM benefits apply. Evidence such as photos, dash or security camera footage, and prompt medical documentation can make a real difference. Having someone manage statements, authorizations, and deadlines prevents avoidable setbacks. In Moorhead, local knowledge helps locate witnesses, obtain records, and understand roadway conditions. The goal is to present a persuasive, well-supported claim that reflects both present and future losses tied to the collision.
A motor scooter accident claim is the process of seeking compensation from at-fault drivers and available insurance policies for injuries and financial losses caused by the crash. It includes investigating how the collision occurred, establishing liability, and proving damages such as medical expenses, wage loss, pain and suffering, and property damage. In Minnesota, coverage and rules can differ from standard auto claims depending on vehicle classification and policy terms. A strong claim connects clear evidence to the harms you experienced, communicates consistently with insurers, and, when needed, uses the court system to pursue a result that reflects your losses.
Successful claims share common building blocks. Evidence is collected quickly, including scene photos, witness statements, vehicle data, and medical records. Liability theories are evaluated using road conditions, visibility, speed, and traffic rules. Damages are documented with bills, treatment plans, employer letters, and expert reports when appropriate. Insurance coverage is mapped across all involved policies to locate benefits that may apply. Negotiations are carried out with a clear valuation backed by facts. If settlement is not fair, litigation is considered. Throughout, timelines are monitored so deadlines are met, and communication keeps you informed and involved in key decisions.
Insurance terms and legal rules can be confusing after a scooter crash. Knowing the language helps you make informed choices and spot issues early. Coverage may come from several sources, and each policy can include endorsements, exclusions, and limits. Liability rules determine how fault is allocated and how that affects recovery. Deadlines can vary depending on the type of claim and parties involved. The following glossary offers plain-language explanations that relate to many Moorhead scooter claims. While every case is unique, understanding these terms will help you navigate conversations with insurers and plan the next steps in your recovery.
Personal Injury Protection, often called no-fault, is a type of coverage that can pay certain medical and wage benefits regardless of who caused a crash. For scooters, whether PIP applies can depend on how the vehicle is classified under Minnesota law and the language of the policy. Some riders may have MedPay, health insurance, or other benefits that function similarly for initial bills. Understanding what coverage you have, and how it coordinates with health insurance and liability claims, helps avoid gaps in care and keeps the claim organized from the start.
Uninsured Motorist and Underinsured Motorist coverage may provide compensation when the at-fault driver has no insurance or not enough to cover your losses. These benefits can be essential in hit-and-run crashes or when policy limits are low. You may access UM or UIM from your own policy or potentially a household policy, depending on terms and circumstances. Timely notice to the insurer and careful documentation are important. UM and UIM claims follow specific procedures, and clear proof of fault, medical damages, and financial loss supports a more effective negotiation with your carrier.
Comparative fault is the rule that allows recovery even if multiple parties share responsibility for a crash. Your compensation may be reduced by your percentage of fault, which insurers often debate by pointing to speed, visibility, or lane position. Strong evidence helps establish what actually happened and counters assumptions that unfairly shift blame to a rider. In practice, this means your statement, witness accounts, photos, and any available video can be decisive. Clear documentation of safe riding behavior and roadway hazards can significantly influence comparative fault arguments and settlement outcomes.
The statute of limitations is the legal deadline to bring a claim in court. If it is missed, the claim is generally barred. In Minnesota, deadlines can vary based on the type of claim, the parties involved, and the insurance issues present. Some claims also have earlier notice requirements. Because evidence can fade and memories can change, acting promptly protects your rights and improves the quality of your proof. Early consultation helps identify which timelines apply to your situation and ensures that needed steps are taken well before any deadline arrives.
After a scooter accident in Moorhead, you might consider handling the claim on your own or hiring a lawyer to manage the process. A self-directed approach may work for minor property-only incidents with quick insurer cooperation. When injuries, coverage questions, or liability disputes arise, full representation can support better documentation and negotiation. A careful review of your medical needs, time away from work, and policy details will help you decide which route fits your situation. The right path is the one that protects your health, your finances, and your long-term recovery.
If the collision resulted in only light cosmetic damage to your scooter and you did not seek medical care, a straightforward conversation with the insurer may resolve repairs quickly. Be sure to document the scene, obtain the driver’s information, and keep receipts for parts and shop estimates. Confirm whether any accessories or gear were damaged. Even in small claims, be cautious about signing broad releases. If symptoms appear later, see a medical provider promptly. Should the insurer delay or dispute clear costs, you can revisit whether having a lawyer manage communications would save time and reduce frustration.
In rare cases, liability is obvious, coverage is adequate, and the insurer quickly offers payment consistent with documented bills and estimates. If your injuries are limited, well-documented, and fully resolved, you may feel comfortable closing the claim. Before accepting, review whether future care is likely and whether wage loss or additional damages were overlooked. Double-check that liens from health insurers or providers are addressed. If something feels off or you sense pressure to settle too fast, a brief consultation can provide clarity and help you decide if additional steps are appropriate.
When injuries involve fractures, surgeries, head trauma, or extended therapy, careful documentation and claim strategy are essential. Treatment often spans months, and valuation should account for future care, wage loss, and how the injury affects daily activities. Insurers scrutinize these claims closely. Coordinating medical records, provider opinions, and accurate billing takes organization and persistence. With representation, you have support to track the full picture, address insurance authorizations, and time negotiations when evidence of your recovery is clearest. This approach helps avoid settlements that undervalue long-term needs tied to the scooter crash.
If the other driver challenges liability or several policies could apply, a coordinated strategy becomes important. Evidence such as traffic camera footage, dash video, and witness statements can be decisive. There may be separate carriers for the driver, vehicle owner, and your own UM or UIM coverage. Each policy has terms, limits, and notice requirements. Aligning these moving parts, preserving deadlines, and managing statements protects your claim. In many cases, demonstrating readiness to file suit, if needed, improves negotiation leverage and increases the likelihood of a fair settlement without unnecessary delay.
A thorough approach focuses on accurate valuation and strong evidence. That means pairing clear liability proof with complete medical documentation and wage details. It also means anticipating defenses, accounting for future care, and addressing liens so your net recovery is protected. When your file tells a consistent story backed by records, negotiations tend to be more productive. If settlement falls short, the same preparation supports litigation. In short, comprehensive preparation is about putting the pieces together so your claim reflects the full impact of the crash on your health, work, and daily life.
Comprehensive representation also reduces the day-to-day burdens of a claim. You receive guidance on records, appointments, and insurer requests, and you are not left to guess what comes next. Questions are answered quickly, and updates arrive as milestones are reached. In Moorhead, local insight helps secure evidence and understand roadway factors unique to the area. By aligning investigation, documentation, and negotiation under one plan, you avoid missed opportunities and gaps that can weaken a case. The goal is a smoother process that respects your time and positions the claim for a fair outcome.
Thorough preparation strengthens every part of your claim. Scene photos are paired with medical narratives and wage confirmations to present a complete picture. Providers supply records that track symptoms and progress, and any future care is supported by treatment recommendations. Property damage and gear losses are captured through estimates and receipts. When fault arguments arise, witness statements and available video help clarify what occurred. All of this work leads to a valuation grounded in facts rather than assumptions. Well-supported numbers improve negotiations and help avoid leaving important damages out of a settlement.
Insurers evaluate claims based on risk and documentation. When your file shows organized proof of liability, damages, and future needs, offers tend to better reflect reality. A comprehensive approach signals that, if necessary, the case can proceed to litigation. That readiness often encourages meaningful discussions without protracted delays. If a lawsuit becomes the right path, the groundwork is already in place, saving time and keeping momentum. The combination of strong evidence, clear valuation, and a credible willingness to continue increases the likelihood of achieving a fair resolution for your scooter claim.
After making sure everyone is safe and calling 911, collect as much information as possible. Photograph your scooter, the other vehicle, skid marks, debris, and nearby signs or construction. Capture wide shots and close-ups. Ask for names, phone numbers, and emails for witnesses, and note weather and lighting. Request the responding officer’s report number. Preserve your helmet, jacket, and damaged gear, and avoid repairs until everything is documented. Early, detailed evidence can prevent disputes about fault and speed up the claim. If you cannot gather this yourself, ask a trusted friend or contact our office for help.
Insurance adjusters may request recorded statements or broad medical authorizations soon after a crash. You are not required to guess about answers or sign documents you do not understand. Keep your statements factual and brief, and consider speaking with a lawyer before giving a recorded statement. Decline to discuss pain levels or long-term impact until you have seen a provider. Save all letters and emails. Clear, careful communication protects your rights and prevents misunderstandings. If you feel pressured or confused, reach out to Metro Law Offices for guidance about what to share and when.
Legal guidance helps you focus on recovery while important claim tasks are handled on schedule. A lawyer coordinates records, investigates fault, and manages insurer requests so you are not navigating alone. When coverage questions arise, such as UM or UIM issues, you have support to identify benefits and meet notice requirements. Valuation is built on evidence rather than assumptions, which can improve negotiation outcomes. If a lawsuit becomes necessary, early preparation streamlines the transition. In short, representation reduces stress, protects your timeline, and helps present a clear, persuasive claim for your scooter injury.
Moorhead riders benefit from local insight and Minnesota-specific knowledge. Weather, road conditions, and traffic patterns can influence liability decisions and settlement discussions. A lawyer can locate witnesses, obtain footage from nearby businesses, and coordinate with providers to clarify the medical story. You also gain a consistent point of contact who answers questions and keeps you updated. If you are unsure about the value of your claim or how to respond to an insurer’s offer, guidance can make a measurable difference. The goal is to protect your health and financial stability while you heal.
Many scooter claims become complex because key facts are disputed or coverage is unclear. Riders often face injuries that evolve over time, making early settlement risky. Others encounter at-fault drivers with limited policies or carriers that question liability based on visibility or lane position. Some crashes involve multiple vehicles, commercial drivers, or roadway hazards that require deeper investigation. In each of these scenarios, coordinated evidence collection and timely communication with insurers help protect your rights. If you are unsure whether your case needs representation, a quick consultation can help you decide the best path forward.
Scooter riders in Moorhead share roads with student, commuter, and delivery traffic. Distracted driving near downtown or around campus can lead to quick, unexpected impacts. These cases often turn on phone use, visibility, and right-of-way. Gathering statements, preserving video from nearby businesses, and documenting sightlines can make a difference. Immediate medical evaluation helps connect injuries to the collision and avoids gaps that insurers can challenge. If your scooter or gear was damaged, keep everything for inspection. With these steps, your claim is positioned to counter blame-shifting and reflect the actual conditions at the time of the crash.
When the at-fault driver has little or no insurance, your own policy may provide UM or UIM benefits that help close the gap. These claims involve specific notice requirements and careful coordination with liability claims. Evidence of fault remains essential, as your own carrier will evaluate the case closely. Promptly requesting and reviewing policy declarations can clarify available benefits. In many situations, additional coverage may exist through a household policy. Understanding these options early helps avoid missed opportunities and improves negotiation leverage with both the liability carrier and your UM or UIM insurer.
Gravel, potholes, and poorly marked construction zones can present serious risks to scooter riders. When a roadway condition contributes to a crash, identifying the responsible party and preserving evidence is important. Photos that show the hazard, measurements, and the surrounding signage can be decisive. Some claims involving public entities have special notice rules and shorter timelines. Early investigation helps determine whether a viable claim exists and what documentation is required. If you believe a hazard played a role in your crash, seek medical care, document the scene, and contact a lawyer to discuss next steps.
We combine attentive service with thorough preparation. From day one, we organize your medical records, bills, and wage documentation to build a clear picture of your losses. We keep you informed with regular updates and practical advice, so there are no surprises. Our team understands how Minnesota rules, Moorhead road conditions, and insurance language intersect in scooter claims. That insight guides investigation and negotiation, helping your case move forward efficiently. We take the time to answer questions and make sure your voice is heard throughout the process.
Evidence drives outcomes, so we prioritize it. We gather and preserve scene photos, witness statements, and available video, and we consult providers to document the medical story. When coverage is complex, we map policies, identify UM or UIM options, and manage notice requirements. With a strong evidentiary foundation, your claim is positioned for meaningful settlement discussions. If the insurer will not be reasonable, the groundwork is in place to consider litigation. Our aim is to protect your health, your time, and your financial stability as you recover.
We offer a free initial consultation and work on a contingency fee basis. That means you pay no attorney fees unless we obtain a recovery. We are committed to clear fee agreements, transparency about costs, and open communication. If you cannot come to us, we can arrange phone or virtual meetings to fit your schedule. When you are ready, we will review your claim, outline next steps, and get to work. Call 651-615-3322 to begin the conversation and learn how we can help with your Moorhead scooter accident matter.
Our process is designed to be clear and predictable. We start with a free consultation to understand your goals and the facts of the crash. Next, we investigate liability, gather records, and identify all potential insurance coverage. We then present a demand supported by evidence and negotiate toward a fair resolution. If settlement is not reasonable, we discuss litigation options and timelines. Throughout, we update you regularly, explain each step, and tailor the strategy to your needs. The goal is a focused path that respects your time and advances your recovery.
In the consultation, we listen to your story, review any photos, bills, and letters you already have, and answer immediate questions. We explain how Minnesota law and insurance policies may apply to your scooter crash. We also outline a preliminary plan for evidence collection and communications with insurers. If we move forward together, we provide a clear retainer agreement and introduce your team. Early guidance helps avoid missteps, keeps timelines on track, and reduces stress so you can focus on your health while we handle the legal details.
We begin by understanding exactly what happened and how the injuries are affecting your life and work. We review the crash sequence, medical visits, and any time away from your job. We identify urgent issues like treatment authorization, vehicle damage, or wage concerns and set immediate next steps. This early timeline review also helps forecast when settlement discussions might be most productive. With a clear picture of your needs and goals, we tailor the plan to fit you rather than forcing your case into a generic process.
We assess available insurance coverage, request policy information, and note any UM or UIM possibilities. We also identify priority evidence, such as witness names, nearby cameras, and medical providers. Then we set communication protocols to handle adjuster calls and document requests. This stage is about protecting your rights, avoiding premature settlement, and laying a foundation for a strong demand package. We will discuss likely timelines, potential challenges, and what information we need from you, so expectations are clear and the case starts on solid ground.
We gather scene photos, repair estimates, medical records, and wage confirmations that tell the full story of your losses. Where available, we seek camera footage and witness statements to clarify fault. We organize records to track diagnoses, treatment progress, and future care needs. With this information, we prepare a detailed claim that aligns liability evidence with documented damages. If multiple insurers are involved, we coordinate communications and notice to protect coverage. Throughout, you receive updates and guidance so you know what is happening and why it matters.
We move quickly to secure time-sensitive evidence. Photos and videos are preserved, witnesses are contacted, and physical evidence, including damaged gear, is kept for potential inspection. We analyze roadway design, signage, and weather conditions that may have played a role. The aim is to present a clear, supported account of how the crash occurred. When insurers raise comparative fault arguments, objective evidence helps keep the focus on what truly happened. A strong liability showing often sets the stage for more productive settlement discussions.
We work with your providers to gather complete records and bills, clarify diagnoses, and understand any future care recommendations. We summarize out-of-pocket expenses, wage loss, and how injuries affect your day-to-day life. If appropriate, we include letters from employers or providers to support the claim. This documentation anchors the valuation in facts rather than estimates. When the time is right, we prepare a demand package that integrates liability and damages into a single, clear presentation designed to prompt meaningful negotiations with the insurer.
With evidence organized and valuation complete, we engage the insurer in settlement discussions. We respond to questions, address defenses, and press for an offer that reflects the full impact of the crash. If the offer falls short, we discuss filing suit and what litigation would look like, including timelines and next steps. Your goals guide decisions throughout. Whether your matter resolves through negotiation or proceeds to court, the preparation from earlier phases ensures your claim remains clear, consistent, and supported by strong evidence.
We present a demand with supporting records, highlight key liability evidence, and explain the basis for valuation. We remain responsive, supplying clarifications that advance the dialogue without undermining your position. When counteroffers arise, we evaluate them against medical needs, wage loss, and future care. If gap-closing strategies exist, we discuss them transparently. The objective is to reach a fair resolution that respects your recovery and avoids unnecessary delay, while always preserving the option to continue if the offer does not reflect your losses.
Sometimes fair settlement is not possible without the leverage of litigation. If that point arrives, we prepare filings, continue evidence development, and represent you through each stage. Lawsuits involve deadlines and procedures that must be followed carefully. Throughout, we revisit goals, weigh risks and benefits, and keep you informed so decisions are confident and well-timed. Often, demonstrating readiness to proceed prompts more realistic negotiations. Whether your case resolves in or out of court, our focus remains on achieving a result that reflects the true impact of the scooter crash.
Ensure safety, call 911, and request medical evaluation even if you feel okay. Ask the responding officer for the report number. Photograph vehicles, road conditions, debris, and nearby signs or construction. Collect names and contact information for witnesses. Exchange insurance and contact details with the other driver, but avoid arguing about fault. Save your helmet and damaged gear. As soon as possible, write down what happened while it is fresh and store all documents in one place. Next, notify your insurer and consider contacting Metro Law Offices for guidance before giving recorded statements. Early help can prevent mistakes with authorizations, protect deadlines, and preserve key evidence such as nearby camera footage. We can explain coverage options, including potential UM or UIM benefits, and coordinate medical documentation. Call 651-615-3322 for a free consultation to discuss next steps and how to keep your claim on track while you focus on recovery.
No-fault, often called PIP, works differently for scooters than for standard passenger cars. Whether those benefits apply can depend on how your scooter is classified and the terms of the policies involved. Some riders may rely on MedPay or health insurance for initial treatment. If an at-fault driver is identified, a liability claim may be available to recover broader damages. Because rules and definitions can be confusing, a careful review of your coverage is important. Even when no-fault is limited, other benefits may help. UM or UIM coverage can apply if the at-fault driver lacks insurance or has low limits. Policy language, deadlines, and notice requirements matter, so it is wise to act promptly. We can evaluate your declarations pages, outline possible benefits, and coordinate billing with providers to avoid delays. A quick conversation can clarify which coverages apply to your situation and how they interact during your recovery.
Minnesota law sets deadlines for filing injury claims, and missing them can end your case. The specific timeline may vary based on the type of claim, the parties involved, and other factors. Some claims also have earlier notice requirements, especially when public entities are involved. Because evidence fades and records are easier to collect early, prompt action is always recommended, even when the deadline appears far away. The best approach is to consult soon after the crash so we can identify the correct deadlines and secure necessary documents. We will map out a plan for evidence, communications, and valuation that accounts for your medical progress. Acting early also reduces stress by putting a clear schedule in place. If you have questions about timing, reach out to Metro Law Offices to review your situation and determine next steps well before any time limit comes into play.
Minnesota uses a comparative fault system, which means you may still recover compensation even if responsibility is shared. Your recovery can be reduced by your percentage of fault, so insurers often try to shift blame by focusing on speed, visibility, or lane position. Clear evidence helps counter these arguments. Photos, witness statements, and medical records that connect injuries to the crash are especially valuable. Avoid speculating about fault in conversations with adjusters. Stick to facts and provide information after you have had time to review records. We focus on objective evidence to show what actually happened and why the other driver should be held accountable. Even when fault is disputed, a well-documented claim can lead to a fair outcome. If you are unsure how to respond to an insurer’s questions, contact us before giving a recorded statement.
Damages in a scooter case can include medical expenses, therapy, medications, and mileage for appointments. You may also claim lost wages, reduced earning capacity in some cases, and repair or replacement of your scooter and damaged gear. Non-economic losses, often called pain and suffering, reflect how injuries affect daily life and activities. Each case is unique, and documentation is key to supporting these categories with evidence rather than estimates. Future care can be important when injuries require ongoing treatment. We work with your providers to identify likely needs and ensure they are reflected in the valuation. Liens from health insurers or medical providers may apply, and we address them so your net recovery is protected. While no result is guaranteed, a clear presentation supported by records increases the chances of a fair settlement that accounts for both present and future losses.
Be cautious. Adjusters may request a recorded statement soon after the crash, but you do not have to provide one immediately. Statements can be used to challenge liability or minimize injuries, especially if given before you understand the full extent of your condition. It is better to focus on medical care first and speak with a lawyer to prepare. We often handle communications for clients to avoid misunderstandings and protect the claim. If a statement becomes necessary, we help ensure the questions are appropriate and that your responses are factual and limited to what you know. We also manage document requests and authorizations so your privacy is respected. If you have already been contacted by an insurer, a quick call to our office can help you decide how to proceed.
We offer a free initial consultation. If you choose to hire us, we work on a contingency fee basis, meaning attorney fees are collected only if we obtain a recovery for you. There are no upfront attorney fees. We explain the fee agreement clearly, answer your questions, and provide transparency about potential case costs such as records, filing fees, or experts. In most cases, costs are advanced by our firm and reimbursed from the recovery at the end of the case. We review this with you before moving forward so there are no surprises. The goal is to make quality legal help accessible without adding financial stress during your recovery. If you would like to learn more about fees or discuss your case, call 651-615-3322 to speak with our team.
Scooter claims can differ from car cases in coverage and classification. Some insurance benefits that apply to autos may not apply to scooters, depending on policy language and Minnesota definitions. Riders are also more exposed to road hazards, so injuries can be significant even at lower speeds. These differences influence how we document the crash and value the claim. We pay close attention to vehicle classification, available UM or UIM coverage, and how medical providers describe your injuries. Road visibility, signage, and construction near the crash site can be especially relevant. By tailoring investigation and documentation to the realities of scooter riding, we present a claim that reflects your circumstances rather than relying on car-centric assumptions.
Many cases resolve through settlement after a thorough investigation and well-supported demand. Negotiations are more productive when liability is clear and medical documentation is complete. Timelines vary based on treatment length, insurer responsiveness, and the complexity of coverage. Rushing to settle before your medical picture is stable can leave important damages out of the valuation. If settlement offers remain low, filing a lawsuit may be the right next step. Litigation introduces deadlines and formal discovery, which can encourage more realistic discussions. Whether your case settles or proceeds in court depends on the facts, coverage, and your goals. We will discuss options at each stage so you can choose the path that fits your needs.
Getting started is simple. Call 651-615-3322 or reach us through our website to schedule a free consultation. We will discuss what happened, review any documents you have, and answer your immediate questions. If we are a good fit, we will outline the plan, provide a clear fee agreement, and begin handling communications with insurers so you can focus on recovery. Before the meeting, gather photos, medical bills, correspondence from insurers, and your insurance cards if available. Do not worry if you do not have everything yet. We will help collect records, request policy information, and set a timeline for next steps. Our team is ready to support Moorhead riders and families through each phase of the claim.
