5 Things NOT to do After a Bike Accident

WU staff | News | July 14, 2017
5 Things NOT to do After a Bike Accident

Imagine, you are riding on your stylish motorcycle when suddenly a car coming from the other side hits it (i.e., you). Now, what should be your next move—getting down from the bike, checking your bike for damages, and yes, of course, arguing with the other person who hits you. But do you know, what you should NOT do after a bike accident?

No matter how smart and experienced biker you are, the reality is that you might have involved in accidents at some point of time— sometimes due to your carelessness or many times due to the fault of the other person on the road. And, then there are potholes and bad road conditions which can act as a barrier to your smooth biking ride

No matter how smart and experienced biker you are, the reality is that you might have involved in accidents at some point of time— sometimes due to your carelessness or many times due to the fault of the other person on the road. And, then there are potholes and bad road conditions which can act as a barrier to your smooth biking ride.

Whatever the reason is, it is essential to know those things that you should not do after a bike accident. So, let’s go;

  1. Lose your temper: Getting involved in a fight or argument is the most common reaction after an accident. Your emotions may be running high and seeing a few cracks on your bike is enough to make you angry. However, instead of yelling and losing nerves on the other person, even if it is his fault, you should calmly handle the situation and ask — Are you fine? Take a deep breath and stay cool. To document the accident correctly, it is necessary to be in a good frame of mind and that you can do only if you are in your complete senses.
  2. Accepting your fault: While above we have advised you against losing your temper, here we would like you to stay away from telling people that it is your fault. If you do so, you will be admitting your liability, and it could go against you at the time of the claim. You could also be legally sued! So, don’t forget to protect yourself while protecting others.  
  3. Leave the accident scene: Thankfully, it is not a major accident, and it is cool to drive away, isn’t it? Actually, it is not. Before you leave the spot, have you checked the other person? Though luckily you and your motorcycle are safe, what if the other party involved in the accident requires some medical help? No matter where you were heading and how important it was, stay at the accident spot, take the injured people to the hospital, if required.
  4. Not dialing 100: No one wants to deal with the police and therefore, they prefer not to dial 100 or call the police, especially if the accident is minor and no one is hurt. But this is not correct, if you have been involved in an accident, regardless of how serious it is, call the police. A police report or FIR is inevitable as it includes important details like name & contact details of the accident victims, time & reason of accident, etc.

Moreover, a police report is necessary to ensure the hassle-free insurance claim settlement. Let’s assume, you or the other party involved in the accident, act like a gentleman and decide not to approach the police. But if your motorcycle is damaged in an accident and you decide to approach the bike insurance for the claim settlement, the insurer has all rights to reject the claim in the absence of the police report. Why should a motorcycle insurer trust you without proof?

Further, if the other person is insisting on not reporting the accident to the police and asking you to settle the claim mutually, it could be because it has a lapsed motorcycle insurance policy or in fact, don’t have a policy!

  1. Delay in informing the bike insurance company: An accident happens today, and you approach the insurer after a month! Indeed, if you do so, you are giving enough reasons to your motorcycle insurance company to reject your claim. As most of the insurance companies have defined time-limits during which it is necessary to file a claim, it is prudent to inform your motorcycle insurance company as soon as the accident happens.

Do you know some insurers also offer towing service to their policyholders? It means, your insurer can tow your vehicle to a nearest network garage centre where you will not require to pay anything for the repairing work as everything will be settled directly between the insurer and the garage.

Your insurer may refuse to settle the claim if you get your vehicle repaired after the accident without informing them. In case the accident happens due to your fault, you would have to compensate the aggrieved party. In this case, if you pay the compensation amount on your own, you can’t force your motor insurance company to reimburse it later if the insurer disagrees with the amount.

Irrespective of how big or small the accident is, act diligently and keep the above points into consideration. Being safe than sorry is good!  

 

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