If you are included in a motorcycle accident, call 911 promptly. Even though auto accident is mild, you still have to submit an incident report. It will help protect you from any sort of untrue allegations from others involved.
Preserve all the proof from the incident as you can. Work with a any camera to take pictures of the entire incident scene, such as damages to your motorbike, the other vehicle, as well as related injuries. Because the police statement will illustrate the important points of the incident, photos can really help support your statement.
Gather the other person's identify, address, date of birth, contact number, license number, insurance provider, vehicle information number, license plate number, and contact info for any witnesses. Yet again, the report should include these records, but by having it for your own personal records, you may help settle any discrepancies if they come up.
And lastly, get hold of your insurance provider. Don't ever give a recorded statement to the other party's insurance firm.
Also, don't ever give a recorded statement to your own insurance firm until you have spoken with a legal professional. Examine every releases or papers thoroughly before signing them.
Bike Laws
If you are a seasoned biker, you are probably already familiar with your state's bike laws and regulations, but what happens when you're traveling throughout the country or into a neighboring state? In the instance of an accident, the other party's insurance company will attempt to stick the blame on you, and if you have violated another state's driving laws that could have caused the incident, you could be held accountable.
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
Insurance prerequisites vary from state-to-state, so choosing coverage options for your policy can be puzzling. Plus, not all the 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 liability insurance will secure you in the event you are discovered responsible for causing an accident. We advise a minimum coverage amount of $100,000 for each individual 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.
Preserve all the proof from the incident as you can. Work with a any camera to take pictures of the entire incident scene, such as damages to your motorbike, the other vehicle, as well as related injuries. Because the police statement will illustrate the important points of the incident, photos can really help support your statement.
Gather the other person's identify, address, date of birth, contact number, license number, insurance provider, vehicle information number, license plate number, and contact info for any witnesses. Yet again, the report should include these records, but by having it for your own personal records, you may help settle any discrepancies if they come up.
And lastly, get hold of your insurance provider. Don't ever give a recorded statement to the other party's insurance firm.
Also, don't ever give a recorded statement to your own insurance firm until you have spoken with a legal professional. Examine every releases or papers thoroughly before signing them.
Bike Laws
If you are a seasoned biker, you are probably already familiar with your state's bike laws and regulations, but what happens when you're traveling throughout the country or into a neighboring state? In the instance of an accident, the other party's insurance company will attempt to stick the blame on you, and if you have violated another state's driving laws that could have caused the incident, you could be held accountable.
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
Insurance prerequisites vary from state-to-state, so choosing coverage options for your policy can be puzzling. Plus, not all the 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 liability insurance will secure you in the event you are discovered responsible for causing an accident. We advise a minimum coverage amount of $100,000 for each individual 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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