When you have a motorcycle accident, you may feel pain due to injuries. After regaining consciousness, contact your motorcycle insurance provider to understand the next steps. As a professional Savannah motorcycle accident lawyer, they will guide you through the motorcycle insurance work. If you do not know how this insurance works, we have got you covered. Read about steps to take after an accident. Here we go!

5-step Process On How Motorcycle Insurance Works After An Accident

1. Reporting the motorcycle accident

After a motorcycle accident, you must report the accident to your insurance company. The primary aim is to ensure that the insurance providers are aware of the incident. Further, you must hire a personal injury lawyer to kickstart the settlement process.

2. Accident investigation 

After reporting the accident, you must conduct a thorough investigation to understand the extent of the damage. The investigation process includes gathering evidence from the accident scene. Additionally, lawyers review the police reports to assess the damage that occurred. Further, your policy will be evaluated to understand all benefits.

3. Coverage for all damages

Based on your policy coverage, the motorcycle insurance will cover all damages incurred during the accident. These include damage to the property and medical expenses. Some common coverage options are:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments coverage

The particular coverage and limitations will change based on your policy.

4. Claim settlement

After finishing its investigation and assessing the losses, the insurance company will decide how to proceed with your claim. The insurance company will give a settlement sum to cover the damages if your policy covers the crash. Your claim might include medical costs, missed earnings, motorbike repairs, and other associated costs. If you think the settlement offer isn’t enough to cover your losses, you can accept it or try to get a bigger sum.

5. Policy renewable

Your future motorbike insurance premiums and policy renewal may be impacted by an accident. If you cause the accident, your insurance rates may go up. Additionally, filing a claim for damages like motorbike repairs may impact your insurance history. To find out how the collision might affect your coverage moving forward, it’s critical to talk with your insurance provider about the possible effects on your rates.

Wrapping Up

Getting insurance after a motorcycle accident is vital. You can follow this step-by-step process to get insurance.

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