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While motorcycles only account for 3% of registered vehicles in California, they also account for 4% of all occupant injuries as of 2020. Chances are you might one day find yourself in an accident while riding your motorcycle.
When that day comes, it’s important to know how to file a motorcycle accident claim so you can get the compensation you deserve. Here’s everything you need to learn how to file a motorcycle accident claim.
Call the Local Authorities
The first thing you should do after a motorcycle accident is to call the local authorities. This will ensure that a police report is filed and that any necessary medical attention is given. You will also need the police report when filing your insurance claim. In addition, this police report will have useful information such as:
- The other driver’s name, address, phone number, and insurance information
- A description of the accident
- The names and contact information of any witnesses to the accident
Get Medical Attention and Keep Medical Records
Even if you don’t think you’re injured, it’s important to get medical attention after a motorcycle accident. You might have injuries that are not immediately apparent, such as internal bleeding or concussions. In addition, having documentation from a medical professional will be important when filing your insurance claim. Make sure to keep all of your medical records, as well as any receipts for any medical bills you incur. You might be eligible for damages later on, which can include medical costs after an accident.
Collect Evidence at the Scene of the Accident
If you’re able to, collect evidence at the scene of the accident. This can include taking pictures of:
- The damage to your motorcycle
- The other driver’s vehicle
- The scene of the accident
- Any injuries you or your passengers have sustained
This evidence can be helpful when filing your insurance claim. It can also be used to prove the other driver’s liability in court, if necessary.
File a Claim with Your Insurance Company
Once you have gathered all of the necessary information and evidence, you will need to file a claim with your insurance company. This can be done by calling your insurance agent or by filing a claim online. You will need to provide your insurance company with:
- Your policy number
- The other driver’s name, address, phone number, and insurance information
- A police report, if available
- Documentation of any medical treatment you have received
- Receipts for any medical bills you have incurred
- Any other evidence you have collected, such as pictures of the accident scene
Your insurance company will then investigate your claim and determine how much, if any, compensation you are entitled to. If you are not satisfied with the insurance company’s decision, you can consult with an attorney to discuss your options.
Filing a Lawsuit
If you and your insurance company are not able to reach a settlement, you may need to file a lawsuit against the other driver. This is a long and complicated process, so it’s important to consult with an experienced attorney before taking this step.
A lawsuit can be expensive and time-consuming, but it may be the only way to get the compensation you deserve. If you win your lawsuit, you may be awarded damages such as:
- Medical expenses
- Lost wages
- Pain and suffering
- Property damage
- Punitive damages
If you have been in a motorcycle accident, don’t hesitate to call an experienced attorney who can help you through the claims process. Motorcycle accidents can be devastating physically and mentally, and an attorney can help you navigate the legal system to get the compensation you deserve.
