Measures to Take When an Incident Happens – Protect your Legal Rights

Should you be involved in a bike accident, immediately call 911 quickly. Even if the incident is slight, you still have to declare an incident report. This can help guard you against any sort of false claims from others included.

Preserve all the evidence from the incident as you can. Utilize a camera to take images of the entire incident scene, such as damages to your motorcycle, the other motor vehicle, as well as any related injuries. As the police statement will describe the main points of the automobile accident, pictures can really help support your statement.

Obtain the other driver’s name, home address, birth date, phone number, driver’s license number, insurance provider, vehicle information number, license plate number, and contact details for any witnesses. Again, the report must include these records, but by finding it for your own records, you’ll be able to assist resolve any inacucuracy once they arise.

Last of all, speak to your insurance company. Never ever give your recorded statement to the other party’s insurance provider.

Also, don’t ever supply a recorded statement to your own insurance firm til you have talked with an legal professional. Go through every releases or papers carefully before you sign them.

Motorcycle Laws and Regulations

If you’re a seasoned driver, you’re probably already informed about your current state’s bike policies, but what happens when you happen to be traveling throughout the country or in a neighboring state? In the instance of a vehicle accident, the other party’s insurance firm will try to stick the fault on you, and if you’ve broken another state’s driving laws that could have triggered the incident, you may be held accountable.

Additionally, although you may enjoy not requiring to wear a helmet in your state, 20 states and the District of Columbia have policies mandating the use of headgear for every bikers. If you intend to travel, take a minute to familiarize yourself with the motorcycle helmet rules of other states wherever you ride.

Insurance

Insurance prerequisites differ from state-to-state, so choosing coverage options for your policy can be very complex. Additionally, not every coverage options are offered in all states or in many situations.

If available in your region, consider including added types of coverage and increasing any minimum requirements. Here are some examples:

Bodily injury insurance will protect you in the event you are found accountable for causing any sort of accident. We highly recommend a minimum coverage sum of $100,000 per individual and $300,000 for every occurrence.

While many states need all bikers and other motorists to obtain adequate insurance plan, there are an alarming 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.

So remember, it is essential you are aware of the motorcycle rights every rider is entitled to and make sure you are covered with the right insurance plan to secure both parties for compensation of damages. Ultimately, before you throttle your harley hand grips to scorch the streets with your bike, keep in mind that being a defensive driver could save your life and the hassle of going through the whole process of resolving a road accident.