how to file a motorcycle insurance claim
Make sure to contact your insurance company as soon as possible after an accident, and try to have the following information on hand:
- Names of all people involved
- Number of people involved
- Addresses and phone numbers of all people involved
- Names of others' insurance companies and specific policy numbers
- Phone numbers and addresses of others' insurance companies, if possible
- License plate numbers of all vehicles involved
- Descriptions of other vehicles involved, including year, make, and model
- Witness information, including names and contact information
- Photos of the damage
after you’ve filed your motorcycle claim
The inspection process
If your motorcycle accident insurance claim requires an inspection, your claims rep will schedule an appointment with a claims adjuster or appraiser to look at your bike. It's really as easy as that!
The adjuster's report
Your claims adjuster will contact your claims rep with an estimate of the damage (if the damage to your bike is determined to be reparable).
The amount paid toward your motorcycle will depend on the types of coverage you have on your policy, as well as the type of incident (theft, vandalism, collision, etc.).
If your claims adjuster determines that the repair costs to fix your motorcycle exceed your ride's worth, they will suggest that it be written off as a total loss.
Your claims rep will then make a recommendation for a settlement based on different factors, including your bike's salvage value.
The insurance settlement
Most of the time, if your bike heads to the shop, you'll be offered a claim settlement through your claims rep based on the coverage limits you selected in your policy. If your motorcycle is declared a total loss, you'll be offered a check for the actual cash value, which means your bike's agreed-upon pre-accident value.
Closing your claim
After the settlement is finalized, your rep will close your claim and let you know that the process is complete.