Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Reporting Damage to Motorcycle Insurance Company

Motorcycle insurance company policies vary from state to state in their rules and regulations, as does the law regarding reporting damages to motor vehicles, including motorcycles.

If you are making a claim to an insurance company, you will have no choice but to report the damage to the insurance company claims representative, whether you are at fault or not.

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For all other incidents involving damage to your motorcycle, reporting procedures will depend on which state you live in and which insurance company carries your motorcycle insurance policy. You need to be familiar with the laws that are in effect in your state.

Reporting all Incidents

Most insurance companies require you to report any and all incidents and accidents as soon as possible, however insignificant they may seem. While your bodily and property liability coverage pays for damage to others, your collision and comprehensive will cover your own vehicle. It is important for you to report all incidents to your insurance company to rule out potentially dangerous exposure to your own personal safety.

For example, if your motorcycle tips over while it is parked, there is usually some type of cosmetic damage, at minimum. In some cases, the motorcycle may seem to work fine, but it could in fact need to be repaired in order to be road worthy again. You could subsequently be riding the motorcycle and suffer an injury in an accident caused by the damage sustained by the bike during the previous unreported incident. By not reporting the damage, you are putting your own safety at risk.

Another reason that insurance companies want to know about any damage to your motorcycle (even if it is only cosmetic damage, it doesn’t bother you, and you don’t want to have it repaired) is because it rules out liability exposures to your insurance carrier.

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When you incur damage to your motorcycle, it lowers the replacement value of the motorcycle if it is not fixed. If you were to have another accident later on and you are at fault, the prior damage would not be discernable from any additional damage if it wasn’t reported the first time. The insurance company would then be liable to repair the damage from the previous, unreported accident as well.

The insurance company wants you to call them and let them know about any damages, regardless of how minor they appear, as soon as possible after the incident. They will send out a claims representative to assess the damage and make a determination.

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Filing an Insurance Claim after a Motorcycle Accident

When filing a claim to recover damages to your motorcycle, you will have to report the damages to your insurance company. When you call in to report an accident or incident, the insurance company will want to know your name and your policy number. They will ask you basic questions such as the time and place of the incident. They will also ask you specific questions such as a step by step description of what took place.

Regardless of what happened in any accident, insurance companies recommend that you always collect a certain amount of information immediately. Of course, if there are serious injuries involved, getting medical care quickly to those who may be in need is the foremost priority.

  • You should get the name, address, telephone and driver’s license number of the other driver or drivers, if there was anyone else involved in the accident.
  • If there was another vehicle involved in the accident, you should also get this same information for all passengers in the other vehicle or vehicles, if there were any passengers.
  • You will also need this same information from your passenger, if you had a rider.
  • If the accident was a pedestrian/motorcycle collision, you will still need to gather the same information, if possible.
  • Witnesses can be instrumental in decisions regarding insurance claims. Make sure that if there were any witnesses to the incident, that you collect their name, address, and phone numbers for everyone who observed the occurrence. Try to talk to them immediately, as oftentimes strangers are reluctant to become involved.

What to Avoid after a Motorcycle Accident

Insurance companies recommend that while you are at the scene of the accident, you do not take responsibility, either verbally or in writing, even if you believe you were at fault. With the exception of the police and your insurance company claims representative, do not make any statements regarding the accident to anyone. It is also important that you refrain from telling anyone how much liability coverage or what your insurance limits are.

All accidents, regardless of the situation, can be time consuming and stressful. Making sure that you have the right type of motorcycle insurance with the appropriate liability and/or comprehensive coverage amounts will give you peace of mind while you are riding your motorcycle. To learn more about finding the right motorcycle insurance for you, please use the motorcycle insurance quote tool below.

Simply enter your zip code and then compare several motorcycle insurance quotes right now!