What Motorbike Accident Claims Cover
Driving a two-wheeler is not only about the thrill of speed and the feel of the wind on your face. You must know about motorbike safety and you need to learn what motorbike accident claims are. Motorcycles are not the safest mode of land transportation. On a two-wheeler, you are very likely to get into an accident and to sustain more serious injuries than on a four-wheeled car. That is why it is imperative that you get insured.
What exactly are motorbike accident claims? These are requests made to your insurance provider for you to be compensated for a motorcycle accident that you did not cause. If approved, you will get back what you have spent as a result of the accident. You will also receive the related value of your personal and material loss and damages. These are:
- Medical expenses - These include the actual hospitalization right after the accident and the succeeding treatments and rehabilitation for your injuries. Cosmetic surgery and artificial limbs are also covered.
- Counseling and therapy costs - Treatment for those who encountered intense emotional and mental trauma as a result of the accident are also covered.
- Loss of salary and earnings - Injuries sustained from motorcycle accidents may require a prolonged amount of time for recuperation. Some may be so serious that you might not be able to work again. Whatever the case, your job or business is at risk and you have to be compensated. If you are disabled, retraining needed to reclaim your job before the accident or a new position that fits you is also covered in the accident claim. Diminution of earning capacity is also considered in filing for compensation.
- Repair or replacement for damaged properties - Any property of yours that was damaged during the accident is part of your accident claim and should be repaired or replaced. This includes your helmet, clothes, and the motorcycle itself.
- General and punitive damages - Pain and suffering, humiliation, anxiety, and panic resulting from a motorcycle accident are just some of the examples of human loss included in general damages. Punitive damages are damages received from intentional and malicious acts that caused the accident.
An important thing to do after an accident is to report it to your insurance company. They will help you get compensation for your misfortune, especially if another party is the offender. Here are some important things to do when you are involved in an accident. These will help you in filing for the accident claim.
- Call the attention of the authorities.
- Jot down the other driver's full name, complete address, contact numbers, and license number.
- Take note of the other vehicle's license plate, make, model and color.
- Talk to the witnesses and, if possible, ask for their names and contact information.
- Do not move the motorcycles. At least wait until the police advise you to do so.
- Take pictures of damages to both vehicles.
- Take photos of the scene of the accident, taking into account skid marks, positions of the vehicles, and road hazards.
- Get medical assistance for your injuries.
- Have yourself photographed showing your injuries.
- Do not readily admit fault. Give your version (in writing) of the accident and wait for the police to study the scene.
- Call your insurance agent.
- Make an assessment of the damages sustained including possible loss of salary and earnings.
Motorcycle riders are known as careless drivers and threats to other motorists. That is why there are insurance companies that specialize in motorbike accidents. As a motorcycle rider, being knowledgeable about motorbike accident claims is a must.
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