A motorcycle accident is a serious matter. You may have been seriously injured, and even if you have not been injured very badly, you probably got a real scare out of the accident. You may wonder what you should do next.
What follows is a general guide to what you should do immediately after a motorcycle accident. Your insurance policy may set out additional or alternative instructions. You need to follow those instructions or your claim for coverage may be denied. In addition, an attorney experienced in handling motorcycle related claims will be able to advise you.
At least, say as little as possible about the accident. Limit yourself to asking if anyone was hurt. You should especially not:
- Apologize
- Admit it was your fault
- Say, "I didn't see you," or anything of the kind
Comments like that could be taken as your admission of fault. Even if you feel you are to blame for the accident, it is too early to make a final decision on who is to blame.
Call 911 to report the accident, even if you are afraid you will be blamed. Many state laws require that you report an accident right away. Leaving the scene of an accident without waiting for the police to come is a crime in many states. Reporting the accident is also important if someone has been injured, and needs immediate medical attention.
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It is best to seek medical attention quickly, even if you aren't sure that you need it. You may be dazed or confused from the accident, and not notice your own injuries. Follow up with your own doctor later.
Notify either your insurance agent or your insurance company's claims office of the accident, and of the possibility of a claim. Instructions on how to report a claim-including the person or office to whom it must be reported-will be found in your insurance policy. You should also review your policy, to find out how much and what kind of coverage you have.
You should seek legal advice to find out what your rights and potential liabilities are. An attorney who is knowledgeable and experienced in motorcycle accident law can give you legal advice on how to handle your accident case from this point on.
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