Because of the popular belief that motorcycle riders are a careless lot, making a motorcycle accident claim may not be easy. By law, motorcycle accidents are treated in much the same way as any other kind of road traffic accident. The person or persons injured need to prove that the accident was caused (at least partly) by someone or something else so that they will be awarded the compensation value they deserve. Because of the bias that most people, including the police handling your case, may have on motorcyclists, it is important to have proof and proper documentation so that you will be appropriately compensated. If you get into a motorcycle accident, remember the
following:
Seek medical attention. Before anything else, if you have any injuries, get them checked out by a doctor immediately. Your health and safety are far more important than any potential claim you may be after. If you or anyone else in the scene of the accident has been injured, call for an ambulance or, if someone on the scene is able to drive, rush to a hospital.
It is also important that you report the accident to the
casualty or emergency department of the hospital. Your presence at the hospital or your doctor’s clinic immediately following the accident will be logged into your medical records and may be used to support your motorcycle accident claim.
Call the police. The authorities will assist the injured and note down details of the accident. They will sketch the accident scene, gather evidence, document the incident, and file cases, if needed.
Gather proof. Take note of the other vehicle’s involved. Remember the make, model, color, and license plate number. Also, take note of damages to your vehicle as well to the other vehicle/s. Take pictures and/or video, if you can. Use your digital camera or mobile phone to document the scene as well as the weather and road conditions.
If the drivers of the other vehicles has not run off, take their names, addresses, and insurance details. If there are eye witnesses on the scene, ask for their names and addresses as well. They could prove to be a big help in proving your innocence and making your motorcycle accident claim. If you are able, try to recall the exact circumstances that led to the accident and sketch the scene. Make sure that you indicate where the vehicles ended up.
Don’t discuss liability. This is crucial and, in fact, almost certainly a condition of your insurance policy. Do not admit liability at the scene and, even if it is very clear that the other driver was at fault, remain courteous and assist him if he has been hurt. Discuss damages and liabilities later on.
Notify your insurance company. After you have attended to your injuries and gone over the details with the police, report the incident to your insurance company. It is also wise to calculate for losses and expenses incurred due to the accident. Include any expenses incurred by family and friends as well.
Statistics provided by traffic police show that most road traffic injuries involving motorcycles were the motorcycle riders fault. This supports the prejudice that most people, including authorities, have against motorcycles and their owners. Nevertheless, making a motorcycle accident claim shouldn’t be too difficult if you have taken steps to ensure that there is enough conclusive evidence proving that you were not the cause of the accident.
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Useful articles about motorcycle accident compensation claims and motorbike compensation claim and motorbike accident claims.
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