Motorcycle Insurance in Ontario
If you have motorcycle insurance in Ontario, there are certain steps that you must follow if you are involved in an accident. Each insurance company will have specific steps that they want you to follow, but the number one rule, no matter which motorcycle insurance in Ontario you have, is to not panic. Remain calm. By following the steps set forth by your insurance company, you will be making everyone’s job a bit easier, and possibly even less costly.
The first thing to do in an accident is to stop. Do not leave the scene of the accident – no matter what. Failure to stop is a criminal act, and you can go to prison for this. If you can move your bike, move it off the road. Calm down and take stock of the situation. Is anyone injured? Use your cell phone or borrow a cell phone to call emergency personnel. Again, remain calm so that the emergency personnel can understand what you are saying and what is needed.
If nobody is injured, take stock of the situation again. What damage has been done? If the damage appears to be less than $1000, you may be able to take care of the matter without involving the police or the insurance company. This will help keep your insurance rates down, especially if the accident was your fault. The other party must agree to work things out privately however, and in many cases, getting them to agree is easier said than done.
If the accident was the other persons fault, and you feel that they may be under the influence of drugs or alcohol, you need to involve the police. If there is a great deal of damage that has been done, the police need to be called to take a report. Your insurance company will require this before they will consider any claims. Stay there until the police arrive, and until the police officer tells you that you are free to leave.
Don’t depend on the police report however. Take your own notes. Write down all of the information that you can that pertains to the other vehicle and the other driver. Write down exactly what happened, as you will need to report this to your insurance company. Even if you don’t report it to your insurance company, you still need to write down exactly what happened, as you may need to recall this information in the future.
If you have motorcycle insurance in Ontario, the insurance company will be grateful for all of the information that you can gather and provide. Write down things that you observe after the accident as well, such as whether the other drivers or other passengers were able to walk around, if they stated that they were not injured, or any other information that you feel your insurance company may need in the future.
