Whether it is the case of an accident, vandalism, or theft, there is a lot of confusion on how to file a motorcycle insurance claim. Let us explain so that you get your due coverage.
Table of Contents:
- Steps for Filing a Motorcycle Insurance Claim
- When to File a Claim?
- What’s the Difference Between Motorcycle and Car Insurance Claims?
- How Does a Motorcycle Insurance Claim Work?
- Will My Premium Go Up After a Claim?
- Secure Your Future with J&A Insurance!
Steps for Filing a Motorcycle Insurance Claim
Follow these steps for filing your motorcycle insurance claim:
- Step 1 - Get the bike off the road:
Get your motorcycle away from moving traffic.
- Step 2 – Check for injuries:
Thoroughly examine your body for injuries after an incident.
- Step 3 – Call for help:
Call 911 if you are injured and cannot get up or move.
- Step 4 – Assess the damage:
Move to a safe location and inspect the motorcycle thoroughly.
- Step 5 – Collect all the details:
Collect all details and information like the driver's contact number, videos and photos of the accident scene, witness's contact details, photos of damaged vehicles and injured people, etc.
- Step 6 – Contact the insurance agent:
Get in touch with your insurance agent so that you get guidance for the next steps.
When to File a Claim?
Here are some situations when you should most probably file a claim:
- If the cost of motorcycle repair outweighs the deductible considerably.
- If you are the cause of the accident and can be held liable.
- If you or anyone else in the accident is severely injured.
- If your accident is with an underinsured or uninsured motorist and you don’t have uninsured motorist coverage.
What’s the Difference Between Motorcycle and Car Insurance Claims?
While filing a motorcycle insurance claim, the insurance adjuster will know more about motorcycles than cars. They will be able to provide a perfect report on replacement and damage expenses. The same is true for filing car insurance where the adjuster would know about cars.
How Does a Motorcycle Insurance Claim Work?
Here are some steps that go into the working of a motorcycle insurance claim:
- Step 1 – Call the insurance agent - Contact your agent and report the incident.
- Step 2 – The agent gathers information – The agent then gathers all the required information.
- Step 3 – You will narrate your story – Your agent and the agent of anyone else who is involved will call you. Narrate your story and always tell the truth.
- Step 4 – You will be assigned an adjuster for your claim – You will be assigned a professional by the insurer to calculate the damage cost.
- Step 5 – The insurance company prepares a report – Based on your policy, the insurer will prepare their report on your claim.
- Step 6 – Dealing with medical bills – For serious injuries, the insurer will look into medical bills.
- Step 7 – Wait – Now you have to wait till your insurer tells you what to do next.
Will My Premium Go Up After a Claim?
There are different factors like the insurance policy, severity of the accident, and driving record which decide if you will have an increased premium after a claim. Some companies offer forgiveness packages while others offer driver discounts.
Secure Your Future with J&A Insurance!
Look no further for reliable auto insurance. J&A Insurance is the trusted company you need. Contact us now for further information and take care of all your insurance needs. Our team of professionals can help you get the best-suited insurance coverage to tailor your needs.
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