How to Make a Bike Claim After a Car Accident

If you own a motorbike or a bicycle then you will know that safety is paramount on the road. At some point you may be involved in a road accident, through no fault of your own. When this happens, it is imperative to get you and your bike back on the road as quickly as possible. Follow these simple steps on how to make a bike claim after a car accident.

Step One: Gather the information for your bike claim

After an accident has happened you may be in a state of shock, or even injured. It is understandable if you may not be able to carry out this step in great detail, however this is just a guideline of what information you will need.

Make a note of the exact location and any details surrounding that location. If possible, take a photo of the accident and the area, so that you will be able to refer back to it at a later date. Also write down, if possible, the weather conditions, road conditions and anything else you may think is relevant to the car accident.

If there are people nearby then take details of witnesses, as well as taking down the details of the car driver. Another important detail will be the car, so take a photo of that as well if you can, including the number plate and so on. As much information as you can gather is great, as it will help with your claim further down the line.

Step Two: Getting a replacement bike after a car accident

For many people, not being able to get around can be a real pain. It may be that you ride your bike to work and back, or even that it is the way you make money, such as by being a courier.

Getting a replacement bike can be a losing battle with your insurance company, depending on how helpful they are feeling that day. It also depends on the type of cover you have and whether they offer replacements in your area.

With a road claims management company, you should be able to get a replacement bike within 24 hours as well as safety gear. A good claims management company will also be able to deliver a replacement to anywhere in the UK.

Step Three: Getting your bike repaired and protecting your premiums

The third step is quite possibly the most important, as you will need to get your bike repaired no matter what. Some people will automatically call up their insurance company, pay the excess and have their bike repaired after an accident.

If you do call your insurance company, you are going to lose your no claims bonus, meaning your premiums could shoot through the roof. With constantly rising costs in terms of petrol and so on, keeping your insurance premiums low is important for everybody.

Instead of calling your insurance company, it may be possible to ask a road claims Management Company to deal with the repair of your bike instead. They will be able to take your bike away and repair it, whilst dealing with all the paperwork.

This way, you get you keep your no claims bonus and your premiums will stay the same, if not lower for a long time to come. Not only that, but you do not have the hassle of filling in paperwork which can take up a lot of time and energy.

Using a claims management company instead of an insurer is the much cheaper option in the long term, as well as being completely stress free.

Conclusion

If you are involved in a car accident and wish to make a bike claim, then make sure you follow these three simple steps.

Think carefully about whether you want to involve your insurance company and lose out on a no claims bonus, or whether a claims management company would be the better option for you.

Image Credits: Danie van der Merwe 1 & 3dom 2