How to protect yourself in a motorcycle accident

Imagine this scenario: You were enjoying your bike ride on the road on a beautiful Monday morning when a car suddenly came out of nowhere speeding towards you and forced you off the road. You were seriously injured and taken to the hospital. But you didn’t have health insurance so you were treated like a third class citizen. Your medical bills came and you cannot pay for it. You were broke and out of work for several weeks or even months. What’s more, your insurance company refuses to get your bike repaired because you didn’t have collision coverage and because you didn’t report the accident to them. Feeling depressed, hurt and frustrated you are probably desperately crying for help in this situation. Do not let this happen to you. Even though you consider yourself as the best rider in the world, accidents don’t have preference as to their victims. Do not underestimate the road and what it can do to you. Use your knowledge and understanding and take the necessary measure to get yourself prepared in case of an accident.

So you are probably wondering what you could do to prepare yourself emotionally and financially? Well first off, you could consider getting a health insurance. This will somehow lessen your medical bills and eliminate the risk of ruining your credit. While you can recover your medical expenses from filling a claim against the person who caused the accident, when you are found to be the person at fault getting a judgment for your claim may take time and this won’t help you at the time you need it the most. Next, ensure that you have ample Uninsured motorist coverage as this will compensate you when the other driver does not have enough insurance coverage. Make sure also that you have Collision Insurance as this covers the damage to your motorcycle. This type of policy is not required so it is a good idea to check your policy.  

Most importantly, make sure that you report the accident to your insurance company to make sure that you receive the benefits that you paid for. Failure to do so can risk your rights to recover against your own insurance company. Additionally, talk with an attorney as soon as possible to ensure that your rights are protected. A lawyer can give you counsel in the proper procedures in dealing with insurance companies. In light of deadlines for filing your claim, speaking with a lawyer to evaluate your case is highly recommended.