What to do after a motorbike accident
Motorcycle accidents can be overwhelming, with potential injuries, damage to your bike or other vehicles and property. So, if you own a motorbike, here’s what to do and who to contact if you’re in an accident.
First steps to take
- Stay safe – get off the road if it’s safe to do so
- Check for injuries and call 000 if needed
- Exchange name, number, address, registration, vehicle, and insurance details with the other driver or motorcyclist
- Take photos of the bike, and damage to cars or property
- Report the accident to the police if necessary
- Contact your motorcycle insurer, even if you’re not at fault
If you have QBE Motorcycle Insurance, you can start your claim online.
What if the accident wasn’t your fault?
You can file a claim against the responsible party’s motorcycle insurance to cover damage to your bike.
Contacting your insurer
To make a claim on another driver’s insurance, call your motorcycle insurance company, explain the situation, and provide the responsible driver or rider’s insurance details.
Next steps
Depending on your motorcycle insurance policy, your insurer may provide you with a rental vehicle. They’ll negotiate with the responsible driver’s insurer to assess the situation, work out a fair level of compensation, and settle the claim.
Related article: Motorcycle insurance for Australian riders
What if the accident was your fault?
Contact your motorcycle insurer to start a claim, providing details of the incident and any other parties involved. It’s also a good idea to take photos at the scene.
If you’re the at-fault rider and have damaged your bike
Report the incident to your motorcycle insurance company as soon as possible with all relevant information. Your insurer will investigate, assess the damages, and review your policy to determine your entitlements.
You may need to provide repair estimates, photos, receipts, or police reports. Once your claim is processed and approved, you’ll receive a settlement offer, and may need to contribute an excess amount.
Related article: Safety tips for motorcycle street riding
How the claim process works after an accident
Let’s say your motorcycle is damaged while parked, and the responsible driver leaves their contact details. You can make a claim against their insurance.
Provide your insurer with photos, a description of the damages, and witness statements. The other driver’s insurance company will investigate, determine fault, and assess the damage.
They may offer a settlement to cover repair costs or the insured value of your motorcycle if it’s a total loss. If you agree on the compensation amount, they’ll pay you for the damages so you can get your motorcycle repaired.
Ride with confidence
Riding a motorcycle offers a unique sense of freedom that’s hard to match. Embrace the thrill of the ride, but remember to stay safe and be prepared.
Learn about QBE Comprehensive Motorcycle Insurance and get a quote today.