Tips to Follow After a Road Incident – Defend our Rights

When you’re involved in a motorbike crash, call up 911 straight away. Even if the auto accident is minor, still, declare an incident report. This can help secure you from any incorrect claims from the other party concerned.

Protect nearly as much proof from the accident as possible. Work with a camera to take photographs of the entire incident scene, such as damages to your motorbike, the other motor vehicle, as well as related injuries. Because the police record will describe the important points of the crash, photos can help support your claim.

Get the other driver’s identify, address, birth date, phone number, driving license number, insurance provider, (VIN), license plate number, and contact information for any witnesses. Again, the report must include this info, but by finding it for your own personal records, you’ll be able to help clear up any issues once they come up.

Last of all, call your insurance company. Practically never provide a recorded statement to the other party’s insurance provider.

Also, never give a recorded statement to your own insurance carrier till you have spoken with an legal professional. Examine any releases or papers carefully prior to signing them.

Bike Laws

If you’re a seasoned biker, you are probably already familiar with your current state’s motorcycle policies, but what happens when you are traveling across the country or in a nearby state? In the event of an accident, the other party’s insurance provider will attempt to stick the responsibility on you, and in case you’ve dishonored another state’s riding laws and regulations that could have triggered the accident, you may be charged.

Also, while you may enjoy not having to wear a helmet where you live, the District of Columbia and 20 other states have laws and regulations mandating the use of headgear for all motorcycle drivers. If you intend to drive, take a minute to fully familiarize the motorbike helmet policies of other states where you ride.

Insurance Plans

Insurance requirements change from state-to-state, so choosing insurance coverage options for your policy can be complex. Plus, not all coverage options are offered in all states or in all situations.

If offered in your state, consider adding added kinds of coverage and increasing any minimum requirements. For example:

Physical injury insurance will secure you in the event you are found accountable for contributing to any sort of accident. We highly recommend a minimum coverage sum of $100,000 for each person and $300,000 per occurrence.

While most states need all motorcycle drivers and other motorists to get adequate insurance plan, you’ll find an escalating number of people who attempt to avoid doing so. Uninsured and underinsured motorist coverage provides protection if you are injured in an accident caused by a driver who doesn’t have insurance, or doesn’t have enough insurance to fully compensate you for your losses. We recommend at least $100,000 per person and $300,000 per occurrence of coverage.

While choosing an insurance carrier other than the one that insures your cars may save you some money, doing so will usually eliminate any possibility of using the uninsured and underinsured motorist coverage on your automobile policy to give you additional protection in a motorcycle accident. If at all possible, keep your motorcycle on the same policy as the other cars in your household. By doing so, you also may be able to request stacking, which will increase your coverage by the total amount of vehicles on your policy. For example, if you have $100,000 per person and $300,000 per occurrence limits on each vehicle, and you have 2 vehicles on your policy, stacking your policies will allow you to receive coverage in the amount of $200,000 person and$600,000 per occurrence.

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