Motorcycle riding is a unique passion for many people, but it is also a dangerous hobby. Because of the lack of a buffer between bikers and other elements such as the road and cars, even the slightest accident while riding a motorcycle could lead to serious injuries.
Motorcycle riders can mitigate many risks by being careful and taking some precautions. Statistically, however, two-thirds of accidents involving a motorcycle and a car are caused by the driver of the car. No matter how careful you are, you still have a chance to get into an auto accident.
It is crucial that you prepare for accidents in advance, because of this reality. The last thing you want is to have an accident with a car only to find that the insurance company refuses to pay, hires a defense attorney, and you have no idea where to go.
If you are ever involved in a motorcycle accident, the following article will explain what steps you need to take.
1. Dial 911
Before assessing the damage to your motorcycle, you should first ensure that you and everyone involved in the accident are physically safe. Reporting a serious injury to 911 will allow the victim to receive important emergency treatment as soon as possible. You should still call 911 whether or not anyone is injured.
2. Take photos
It is highly likely that both your insurance company and the other party’s insurance company will try to avoid paying any bills, regardless of who is at fault. In the event that you have a dispute with insurance companies or even with the other party to the accident, or even if you have to go to court, every piece of evidence will come in handy.
3. Speak with witnesses
Witness statements, in addition to your pictures, will be crucial parts of your case. Be sure to interview as many witnesses as possible and record their names, addresses, and contact information. If possible, record their statements on audio.
4. Take notes about your surroundings
It would be best if you recorded the scene of the accident as thoroughly as you can. In the event of a dispute, this information may be crucial to determining who was responsible for the accident. Details to pay attention to include the exact location, traffic volume, weather conditions, and which direction the vehicles were traveling on the day of the accident, among others.
5. Consult an attorney before filing an insurance claim
A lawyer should be consulted before contacting your insurance company. Although it is important to contact your insurance company as soon as possible to report your accident, YOU SHOULD NOT PROVIDE A RECORDED STATEMENT until you have at least discussed the incident with a lawyer. You will likely be asked to estimate the extent of damage to your motorcycle or injury to your person, but you should refrain from doing this until you have had a professional assessment. Underestimating the damages may severely hinder your attempts to recover the full amount you are entitled to subsequently.
6. Hire legal assistance
A claim will often be disputed by an insurance company. The typical claim for contributory negligence involves denying you were injured or alleging you contributed to your own injury. Don’t be alarmed if this happens to you. If you want someone to represent you and your interests, you must hire an injury accident lawyer. It is expensive to hire a lawyer, but there are firms that charge only if you win the case.
Conclusion
Motorcycle accidents can happen at any time, and they are often beyond your control. In the event that they do occur, following the steps in this guide will give you the best chances of recovering quickly and completely.
Another tip: never admit guilt to anyone, including the other party in the accident, police officers, or even your insurance company. The chances of you winning a subsequent dispute will drop significantly once you do so.
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