You’ve strapped on that helmet, put on your protective clothing, and are ready to head out – but you’re never really 100% safe. Even the most careful of motorbike riders can still find themselves in an accident, and if you do, you have to play your cards right.
But it’s not an area many people want to think about, and it’s not an area that many people will find themselves in. Because of the high speeds bikes travel at, the financial and personal costs of a crash can be endless. It’s an unlikely scenario, but better safe than sorry – so here’s how to prepare for if the worst should happen.
Step 1: At the scene; gather details and evidence
In order to prove that the accident wasn’t your fault, you’ll need information and evidence. This information and evidence will help you make a personal injury claim further down the line, and even defend yourself in court.
Your first port of call will be to gather the names and phone numbers of witnesses. If people don’t want to provide you with this information, just drop it – don’t push them.
Aside from the witnesses, you’ll obviously want the information of any other vehicles involved. Everything from insurance details to license plates to addresses. Sites like http://blog.aisinsurance.com run down the full list – at the scene, don’t forget anything!
And finally, I’d recommend taking a couple of pictures at the incident. This will help your lawyer and claims contact identify who caused the crash, and who is at fault. Certain things, like the angle at which your bike landed, can be indicative of these facts. Or, if the accident was caused by a pothole, it’s important you photograph it properly.
Step 2: Contact your insurer and seek legal advice
Immediately after the accident, contact your motorbike insurance provider. Provide them with all the information you gathered at the scene, and they’ll assess your case. If you are injured, do not tell them how, or how much. You need to be checked by a doctor first, in case you underestimate the amount of compensation you’re entitled to.
Next, seek out legal advice. Look for a personal injury lawyer like http://www.politolaw.com/, for example. Bike accident cases can be tricky; most people associate fast, dangerous driving with these vehicles. Of course, this isn’t always the case, but you must be prepared to defend your honor regardless.
Step 3: Ensure you get fully compensated
Depending on the severity of your injuries, you will be entitled to a certain amount of compensation. Even if your motorbike injuries appear minor, be sure to check with a doctor that there are no severe issues.
Before you agree to the insurance settlement, you have several considerations to make. Firstly, consider the ramifications of your injuries. You may feel ok now, but will there be any long-term issues? These should be factored into the amount you receive.
Additionally, if you incur other expenses – perhaps you miss wages because you’re too injured to work – factor these in too. You’ll also probably be stuck using public transport, which can get expensive over time. Make sure the compensation you receive covers these problems.