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What do I do if I get into an accident?

If you get into a motorcycle accident, it’s important to know what steps to take afterwards, as well as the procedures for filing a claim with your insurance company. As with any other type of motor vehicle accident, it’s important to remain at the scene of the accident and stay calm. If you or anyone else involved in the accident has been seriously injured, call for emergency medical services immediately if you are able. If possible, move any vehicles involved in the accident to the side of the road so that they are not blocking the flow of traffic, and for your own safety.

If the accident involved another motor vehicle, be sure to exchange insurance information with the other driver. Do not admit fault, as this may create unanticipated liability issues in the future. Contact local law enforcement and have them write up an accident report. This report may be needed by your insurance company as part of the claims process. If possible, collect information from witnesses of the accident. As soon as possible, report the motorcycle accident to your insurance company by contacting your insurance agent or a representative of your insurance company. Most insurance policies require the policyholder to promptly notify the insurance company after an accident.

The number to call in the event of an accident should be on the insurance card or insurance policy issued by your insurance company. By law, all motorcyclists must carry proof of insurance with them while operating their motorcycle, according to individual state laws. When filing a claim, be sure to provide an accurate account of the details of the accident and answer all questions completely. The Maine Bureau of Insurance advises that during the claims process for a motor vehicle accident, you should document all communications that take place between you and the insurance company, adjuster, or other individual(s) involved with the claim. This means you should keep all emails and letters on file, and log all telephone calls and in-person conversations, noting the time and date, and the name and title of the person you spoke with, as well as a summary of the conversation that took place. It’s also important to document any time you lost from work and keep track of all expenses that resulted from the accident.

After you file your claim, your insurance company will either pay your claim or deny your claim. If the claim is approved, the company must pay the claim within 30 days, the Maine Bureau of Insurance notes. Claims are paid according to the terms of the policy. If the claim is denied, the insurance company must explain the reason for the denial in writing. Insurance laws may vary from state to state, but in general, insurance companies must respond to your claim, whether it is approved or denied, in a timely manner.