What Are Motorbike Accident Claims And How Can You Take Advantage Of Them?
Driving a two-wheeler is not just about the thrill of speed and the feel of the wind on your face. You must know about motorbike safety and you need to know what motorbike accident claims are. Motorcycles are not the safest form of land transportation. On a two-wheeler, you are more likely to get into an accident and to incur dangerous injuries than on a four-wheeled vehicle. That is why it is crucial that you get insured.
What are motorbike accident claims? These are requests made to your insurance company for you to be compensated for a motorbike accident that you did not cause. If approved, you will get back what you have spent because of the accident. You will also get the related cost of your individual and material loss and damages. These include:
- Medical expenditures - These include the actual hospitalization right after the accident and the succeeding treatments and rehabilitation for your injuries. Plastic surgery and artificial limbs are also included.
- Counseling and therapy expenses - Therapy for those who encountered severe emotional and psychological trauma as a result of the accident are also covered.
- Loss of income and earnings - Injuries sustained from motorcycle crashes may need an extended amount of time for healing. Some could be so severe that you might not be able to work again. In either 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 post that suits you is also included in the accident claim. Diminution of earning capability is also considered in filing for compensation.
- Repair or change for damaged properties - Any possession of yours that was destroyed during the accident is part of your accident claim and should be repaired or replaced. This involves your helmet, outfits, and the motorcycle itself.
- General and punitive damages - Suffering and pain, humiliation, anxiety, and fear resulting from a motorcycle accident are some of the examples of human loss involved in general damages. Punitive damages are damages incurred from intentional and risky 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 mishap, particularly if another party is the culprit. Here are some important things to do when you have an accident. These will assist you in filing for your accident claim.
- Call the attention of the authorities.
- Write 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.
- Speak to the witnesses and, if possible, request their names and contact information.
- Do not move the vehicles. At least wait until the police recommend you to do so.
- Take snap shots of damages to both vehicles.
- Take pictures of the scene of the accident, considering skid marks, positions of the vehicles, and road hazards.
- Get medical assistance for your injuries.
- Have yourself photographed showing your injuries.
- Do not quickly admit fault. Give your version (in writing) of the incident and wait for the police to survey the scene.
- Call your insurance company.
- Make an assessment of the injuries sustained including possible loss of income and earnings.
Motorcycle owners 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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