Motorcycle Insurance Articles
How To Make A Collision Claim With Motorcycle Insurance
2010-08-19
While shopping for motorcycle insurance quotes, it's extremely important to understand policy coverage and exclusions. In the event that you are injured in a motorcycle accident, when you make a collision claim, you can include damage to the motorcycle, damage to personal property, bodily injuries, medical expenses and lost wages. To ensure you receive accurate compensation for your injuries and property damage, it's important to report all aspects of the incident.
At the time of the accident, it's your responsibility to collect facts that support your side of the story. In addition to giving your driver's license number and registration number to the other party, it's important to collect the other driver's personal information. At the scene of the accident, note the weather, road conditions, and visibility. If there are any eyewitnesses at the scene, it can help to collect their personal information as well. Photos can help tremendously when filing a motorcycle collision claim. Photos of road conditions, black ice, bruises, and personal injuries can be extremely beneficial when the claims adjuster reviews your case. Weather conditions can also affect the collision claims process. If you can prove poor visibility was one the factors behind the accident, you may increase your chances for gaining compensation.
Before committing to motorcycle insurance quotes, it's important to understand your provider's coverage terms and limitations. If there are no explicit exclusions, you claims will generally be covered by your motorcycle collision policy. Property damage and loss are two of the most important claims you will make after a motorcycle accident. If you ride a custom bike with special upgrades, you will need receipts that record when the parts were installed and how much they cost. Standard motorcycles made with stock parts aren't required to remit the same documentation for collision repairs. The amount of damage compensation will be estimated by the claims adjuster and your repair provider. To ensure you are getting the correct amount, ask for a written copy of the agreed cost to repair. Likewise, injury reports submitted by your doctor should be reviewed to make sure they accurately represent your injuries and medical expenses.
To ensure you receive the compensation you deserve, report all damage, repairs, and lost wages to your insurance company. After you have selected a policy from a list of motorcycle insurance quotes, you are entitled to compensation for damage to personal property, such as glasses, watches, and jewelry, as well as out of pocket expenses for towing, repairs or an interim replacement vehicle. If you have been injured in a motorcycle accident, file a collision claim to receive compensation for injuries, property damage, and medical expenses.