Filing motorcycle insurance claims isn’t something the average motorcyclist worries about on a regular basis. However, most motorcyclists have experienced one of these scenarios:
While you most likely have insurance coverage in place, you may have no idea how to file claims until you have a reason to.
When it is time to file a claim, make sure you have an agent who will for you. A local member of the Trusted Choice® network will work carefully with you to ensure your claim is processed as quickly as possible. Find a Trusted Choice member agent and get started today.
If you are in a severe accident, make sure you are safely off the road and call 911 before anything else. If the accident is not severe, you can simply contact local police instead.
When speaking with other parties involved, such as a driver or witness, do not place blame, and do not admit to causing a collision. There can be a number of factors involved that you may not have seen, and it is important to leave it to the authorities and the insurance companies to determine the cause of the incident.
Motorcycle insurance claims can go much more smoothly when the answer to who, what, when, where and how is clear.
If other vehicles are involved, gather contact and insurance company information from everyone involved in the incident. Take photos documenting the damage to your motorcycle as well as any damage to other vehicles. Keeping accurate information will help prevent any false claims the other driver may file.
It is also a good idea to take pictures of the surrounding scene. Include identifiers, such as street signs and landmarks.
If anyone else witnessed what happened, be sure to ask them if they would be willing to share their version, then record their contact information. When speaking with the police, explain what happened as clearly and thoroughly as possible.
If your motorcycle was stolen, write down everything you know that could be helpful in locating your bike. For example, if you have a tracking mechanism installed, or you remember seeing any suspicious activity, be sure to provide this information in your police report. Make sure you get a copy of the police report, as well.
Once you have the police report, photos of the damage and the other driver’s information, call your agent and inquire how to file claims with your motorcycle insurance company
The claims process includes providing detailed information on the accident claim or stolen motorcycle claim. When you call your agent, be ready with your insurance and motorcycle information. Your agent will ask you about certain details, including:
Give your agent copies of photographs, police reports, medical reports and other information. If the accident involved another driver, give your agent a copy of that driver’s insurance and contact information.
For a vandalism claim or stolen motorcycle claim, describe the scene of the crime. Provide your agent with information on the damage to your bike, as well as a list of items stolen.
If you had any customized work on your motorcycle, be sure to include any documentation or receipts you may have.
Your agent will help you with the claim process once you have provided information about what happened to your agent or insurance company. Here are the steps:
After reviewing your policy, your insurance company will offer a settlement for the damage and handle paperwork for any medical payments covered under your policy. This settlement will depend on the value of the bike and the cost of repairs.
Reporting fraud is very important if you suspect someone has made a false claim regarding damage to their vehicle or personal injury. Some of the most common fraud cases involve people claiming they were physically or emotionally injured, falsely reporting vehicles as stolen and falsely claiming damage that already existed.
Another fairly common fraudulent insurance claim occurs as follows:
Report fraud anytime you are aware that it has occurred, or suspect a claim is fraudulent. Fraud costs insurance companies an estimated $40 billion each year, resulting in increased premiums for insurance customers.
Motorcycle insurance claims may be denied for several reasons. A common reason is insufficient coverage. You may not have the right coverage for the particulars of an accident. For example, if you only have liability insurance, and you have filed a claim because of a collision with a deer, you will not have the right coverage for that claim.
Review your coverage with your agent when you buy or renew your policy. Make sure you have the coverage you need for potential liability, collision and comprehensive claims, as well as your bike’s replacement value and any aftermarket upgrades you have made to your vehicle.
Also, review any restrictions in your policy. These are incidents or types of damage that your insurance company will not pay for out of that particular policy.
If your claim is denied, discuss it with your agent. If you feel the denied claim is in error, ask about the appeals process and consider filing an appeal with the insurance company.
Getting the right insurance for your needs is important. Find an agent in the Trusted Choice network today. The agent will find you the right policy at the right price, and will ensure that you have the help you need when it comes time to file claims.