How to Proceed with Motorcycle Insurance after a Crash
Purchasing motorcycle insurance gives you peace of mind. Research shows that while motorcycles make up a small number of vehicles on the road, they account for many serious injuries and fatalities. The National Highway Traffic Safety Administration notes that motorcycle accidents often lead to more serious injuries than auto accidents. Finding motorcycle insurance after a crash can be difficult. You will have to speak with your insurance company to see how your policy is impacted. Generally, if you are injured, motorcycle insurance will cover your medical bills and lost wages.
Motorcycle Insurance Basics
Motorcycles are valuable assets. However, they require a significant financial investment, as you are responsible for the sales tax, title transfers, gear, and purchasing insurance. In order to operate your vehicle, you may be legally required to purchase at least a small amount of coverage for possible bodily injuries and property damage. Remember that your auto insurance does not cover any issues regarding your motorcycle. In order to cover your motorcycle in every scenario, you’ll need to purchase motorcycle insurance.
Uninsured coverage is an asset if you are involved in an accident with someone who does not have insurance. Consider underinsured coverage as well. If you are in a crash with someone who doesn’t have a lot of coverage, you may have to cover the property damage costs and potential medical bills out of your own pocket. In such cases, underinsured coverage will protect you.
Filing a Claim
Filing a claim can be complicated in regards to determining who is at fault during a motorcycle accident. In most states, you are required to wear a helmet at all times while riding a motorcycle. You should also have mirrors on both sides of your motorcycle. In California, you have access to the entire roadway while operating your motorcycle. When filing a claim, you can seek reimbursement for several issues.
If you are seriously injured, you will be compensated for your medical bills, including rehab. You are also compensated for possible lost earnings if you cannot work for an extended period. Think about your deductible as well. Your deductible is the amount that you’ll have to pay out of pocket for damages before your insurance coverage handles the rest. If the other party is at fault for the accident, your insurance company may waive the deductible.
If you are involved in a motorcycle accident, you have to protect yourself. Seek medical attention as soon as possible. Take pictures of the accident and contact the local authorities. If you are involved in an accident with another party, make sure to exchange information. That will help the process go smoothly. Also, talk to any witnesses in the area and contact your insurance company.
Motorcycle insurance helps you stay safe on the road. In the event that you are involved in an accident, you can still receive the benefits you deserve. If you have any questions, contact the experts here at Remland Insurance, and we will guide you through the process of filing a claim.