If you are included in a motorcycle accident, call 911 promptly. Even though auto accident is mild, you still have to submit an incident report. It will help protect you from any sort of untrue allegations from others involved.
Keep as much evidence from the accident as you can. Use a any camera to take photographs of the whole crash area, including damages to your motorbike, the other vehicle, and any related injuries. Because the police statement will describe the facts of the automobile accident, photographs can help support your statement.
Gather the other person's identify, address, date of birth, contact number, license number, insurance provider, vehicle information number, license plate number, and contact info for any witnesses. Yet again, the report should include these records, but by having it for your own personal records, you may help settle any discrepancies if they come up.
Last of all, call your insurance company. Practically never provide a recorded statement to the other party's insurance provider.
Also, don't ever give a recorded statement to your own insurance firm until you have spoken with a legal professional. Examine every releases or papers thoroughly before signing them.
Bike Regulations
If you're a seasoned biker, you are probably already familiar with your current state's motorcycle policies, but what happens when you are traveling across the country or in a nearby state? In the event of an accident, the other party's insurance provider will attempt to stick the responsibility on you, and in case you've dishonored another state's riding laws and regulations that could have triggered the accident, you may be charged.
Also, while you may enjoy not having to wear a helmet where you live, the District of Columbia and 20 other states have laws and regulations mandating the use of headgear for all motorcycle drivers. If you intend to drive, take a minute to fully familiarize the motorbike helmet policies of other states where you ride.
Insurance Plans
Insurance prerequisites vary from state-to-state, so choosing coverage options for your policy can be puzzling. Plus, not all the coverage options are offered in all states or in all situations.
If offered in your state, consider including additional forms of coverage and maximizing any minimum requirements. Here are some examples:
Bodily injury liability insurance will secure you in case you are discovered responsible for contributing to an accident. We advise a minimum insurance policy coverage sum of $100,000 for each person and $300,000 for every occurrence.
While many states need all bikers and other motorists to get enough insurance coverage, there are an alarming number of people who attempt to avoid doing so. Uninsured and underinsured motorist coverage provides protection if you are injured in an accident caused by a driver who doesn't have insurance, or doesn't have enough insurance to fully compensate you for your losses. We recommend at least $100,000 per person and $300,000 per occurrence of coverage.
While choosing an insurance carrier other than the one that insures your cars may save you some money, doing so will usually eliminate any possibility of using the uninsured and underinsured motorist coverage on your automobile policy to give you additional protection in a motorcycle accident. If at all possible, keep your motorcycle on the same policy as the other cars in your household. By doing so, you also may be able to request stacking, which will increase your coverage by the total amount of vehicles on your policy. For example, if you have $100,000 per person and $300,000 per occurrence limits on each vehicle, and you have 2 vehicles on your policy, stacking your policies will allow you to receive coverage in the amount of $200,000 person and$600,000 per occurrence.
Keep as much evidence from the accident as you can. Use a any camera to take photographs of the whole crash area, including damages to your motorbike, the other vehicle, and any related injuries. Because the police statement will describe the facts of the automobile accident, photographs can help support your statement.
Gather the other person's identify, address, date of birth, contact number, license number, insurance provider, vehicle information number, license plate number, and contact info for any witnesses. Yet again, the report should include these records, but by having it for your own personal records, you may help settle any discrepancies if they come up.
Last of all, call your insurance company. Practically never provide a recorded statement to the other party's insurance provider.
Also, don't ever give a recorded statement to your own insurance firm until you have spoken with a legal professional. Examine every releases or papers thoroughly before signing them.
Bike Regulations
If you're a seasoned biker, you are probably already familiar with your current state's motorcycle policies, but what happens when you are traveling across the country or in a nearby state? In the event of an accident, the other party's insurance provider will attempt to stick the responsibility on you, and in case you've dishonored another state's riding laws and regulations that could have triggered the accident, you may be charged.
Also, while you may enjoy not having to wear a helmet where you live, the District of Columbia and 20 other states have laws and regulations mandating the use of headgear for all motorcycle drivers. If you intend to drive, take a minute to fully familiarize the motorbike helmet policies of other states where you ride.
Insurance Plans
Insurance prerequisites vary from state-to-state, so choosing coverage options for your policy can be puzzling. Plus, not all the coverage options are offered in all states or in all situations.
If offered in your state, consider including additional forms of coverage and maximizing any minimum requirements. Here are some examples:
Bodily injury liability insurance will secure you in case you are discovered responsible for contributing to an accident. We advise a minimum insurance policy coverage sum of $100,000 for each person and $300,000 for every occurrence.
While many states need all bikers and other motorists to get enough insurance coverage, there are an alarming number of people who attempt to avoid doing so. Uninsured and underinsured motorist coverage provides protection if you are injured in an accident caused by a driver who doesn't have insurance, or doesn't have enough insurance to fully compensate you for your losses. We recommend at least $100,000 per person and $300,000 per occurrence of coverage.
While choosing an insurance carrier other than the one that insures your cars may save you some money, doing so will usually eliminate any possibility of using the uninsured and underinsured motorist coverage on your automobile policy to give you additional protection in a motorcycle accident. If at all possible, keep your motorcycle on the same policy as the other cars in your household. By doing so, you also may be able to request stacking, which will increase your coverage by the total amount of vehicles on your policy. For example, if you have $100,000 per person and $300,000 per occurrence limits on each vehicle, and you have 2 vehicles on your policy, stacking your policies will allow you to receive coverage in the amount of $200,000 person and$600,000 per occurrence.
About the Author:
Just be sure to seek tips in adding add-ons for your bike such as harley davidson grips from professional Harley pro techs.
