Accidents involving a motorcycle happen everyday. So what do you do when you have been involved in an accident while riding your bike? The first thing to do is to assess the situation. Is everyone involved in the accident okay? If anyone is seriously injured get emergency medical personnel to the scene as soon as possible. Call the police to report the accident. Try to remain calm. It is easy to become emotional after an accident. Do not scream and yell at the other person even if it was their fault. This can only make matters worse and can even escalate the situation into a full blown physical altercation.
Become your own investigator. While at the scene of the accident, gather as much information as possible about what just transpired. Write down the license plate numbers of all vehicles involved. Write down their names, phone numbers, and insurance information. Document the location of the accident. Street names, location of intersection, witness names and contact information are essential in your defense. All of this information is important when you contact your insurance company to process a motorbike accident claim.
Take pictures of the accident scene. Use your cell phone to get as much photographic evidence as possible of the accident. Remember the old saying a picture is worth a thousand words? Insurance companies can use photos to gain a better understanding of how the accident transpired. All of the information you have collected can easily be submitted for your motorbike accident claim via fax or e-mail. If a police report is filed, it may indicate to the insurance company that you were not at fault for the accident. In the case that fault isn’t easily determined, then all of the information you have collected will greatly benefit you in getting the insurance company to see it your way.
Be sure to submit your claim as soon as possible. Call your insurance company to file your motorbike accident claim. Give them all of the information you were able to gather at the scene. Give them the insurance information of the other person involved in the accident and the police report number. Tell them to the best of your ability what happened without saying it was your fault. Remember, it is up to the police and the insurance company to determine who is at fault.
After the motorbike accident claim has been filed, the insurance company may send an adjuster to determine the amount of damage done to the motorcycle. If the motorbike is deemed to be unrepairable, you will normally receive payment of what the bike was worth before the accident.
If it is determined that the other person involved in the accident was at fault, then your insurance company will work closely with the other person’s insurance to make sure they pay for any damages to your motorcycle and any related medical expenses. Every motorbike accident claim is different so be sure to send as much information as you possibly can to your insurance company so you can get a favorable outcome.