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Motorcycle Insurance Co's

Motorcycle insurance co’s often have specific steps that they want you to take in the event of an accident. Most motorcycle insurance co’s will tell you what these steps are, or give you steps to follow on the back of your insurance card. There is a reason for all of the steps that they request you to take, and you would do well to follow the requested steps.

Take a look at the back of your insurance card. If there are no instructions printed on the back that tell you what to do in case of an accident, call your insurance company right away to find out what they prefer for you to do. The actions you take immediately following an accident can mean the difference between a simple claim being filed, and a huge lawsuit being filed with the court.

Of course, most insurance companies will instruct you to check for injuries first. You would naturally do this without instruction from the insurance company. But once you are sure that there are no injuries to a person’s body – including your own – you need to take steps that protect both you and your insurance company from liability. This doesn’t mean that you will walk away from any responsibility that you may have – it simply means that we live in a litigious society where everybody wants to sue everyone else over every little thing – and this is especially true when it comes to suing insurance companies.

You may think that it doesn’t matter if your insurance company gets sued. You are wrong. First, when the company gets sued, the rates go up. Your rates go up, and depending on the lawsuit, other drivers rates may go up as well. In fact, the insurance company could go broke trying to settle a lawsuit. You could also be dropped from the insurance company. This will mean that they refuse to extend coverage to you, and with that accident on the books, you will have a problem finding affordable coverage elsewhere. Therefore, the best thing you can do is try to protect yourself and your insurance company from as much liability as possible.

Motorcycle insurance co’s typically have their own protocol that they want you to follow, however, there is one golden rule – never admit fault. You will of course tell your agent if you were at fault, but other than that, tell the police exactly what happened, but do not admit liability. In fact, most insurance agents will agree that the less you say the better off you and the insurance company will be.