For anyone who is caught up in a motorbike accident, call the emergency services straight away. Even if the incident is slight, you still have to submit an incident report. It will help guard you from any incorrect allegations from the other party concerned.
Keep as much evidence from the accident as you can. Use a camera to take photographs of the whole crash area, including damage 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, motorcycle insurance provider, vehicle information number, license plate number, and contact info for any witnesses. 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. Never provide a recorded statement to the other party’s insurance provider.
Also, never give a recorded statement to your own insurance company until you have spoken with a legal professional. Examine any releases or papers carefully prior to signing them.
If you’re a seasoned biker, you are probably already familiar with your current country’s motorcycle policies, but what happens when you are traveling abroad? 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 country’s riding laws and regulations that could have triggered the accident, you may be charged.
In addition, although you may enjoy not needing to wear head gear where you live, many countries have laws and regulations mandating the use of headgear for all bikers. If you intend to drive, take a minute to fully familiarize the helmet rules of other countries where you ride.
Insurance requirements change from country to country, so choosing insurance coverage options for your policy can be complex. Plus, not all coverage options are offered in all situations.
If offered, 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 countries require 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 a motorcycle insurance company 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.
Don’t Hit the Road Without Your Leathers Warns Swinton Bike Insurance. MANCHESTER UNITED KINGDOM May 28 2012 MARKETWIRE via COMTEX Swinton the UK’s leading supplier of bike insurance is advising bikers to wear protective clothing even in hot summer weather.
Live Insurance News. Motorcycle insurance companies remind riders to protect themselves. Live Insurance News. As the riding season gets into full swing motorcycle insurance policy carriers are advising enthusiasts and riders to remember that the right protective gear is vital year round and can reduce injuries or even save a life in the event of a motorbike accident.
Leading motorcycle insurance specialist Carole Nash is to back Ride to Work Day (Monday 18 June) by providing free commuting cover to all its UK motorcycling policyholders. The company lobbied its underwriters to ensure it could back a vital day of action which aims to highlight the benefits to all of those using motorcycles and...
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