What to do if you’re involved in a road accident

If you are unfortunate enough to be involved in a motorcycle accident and it wasn’t your fault – you are entitled to make an insurance claim. Your claim can recover the cost of repairs or any injuries you’ve incurred as a result of an accident.

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Claiming can be difficult and it can be a long and lengthy process, particularly if you’ve forgotten to get the right details or photograph any damage to your motorbike, that’s why we’ve created a step-by-step guide of what to do if you’re involved in a road accident.

Step 1: Check for injured parties

First, make sure you or anybody else involved in the incident is not injured.

If anyone is seriously injured you should contact the emergency services immediately and request an ambulance. If nobody is injured, but the scene is a danger to other road users, you should call the emergency services anyway and get the police to the scene to make it safe.

You should never leave the scene of an accident without informing the police and exchanging details with the other party involved.

Step 2: Get witnesses

Witnesses can give evidence to your insurer which can be the difference between a successful or unsuccessful claim.

If the police have been called, try to keep witnesses at the scene until the police arrive, they can then provide a statement in person.

Try to get the details of the witnesses including their name and address, as well as any other basic details – this gives you more evidence for when it comes to proving the accident was not your fault.

Step 3: Call the police

Call the police as they will be obliged to file a road accident report which will play a significant role in filing your claim and proving you are innocent. You will receive a reference number from them which you can use when making your claim.

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Step 4: Exchange details

You must get the other person’s details including their name, address, contact details and insurance details, as well as information like make, model and registration of their vehicle.

This is the most important step of the whole process and will prove useful when dealing with your insurance company – it should also speed up the process of your claim. If the other person refuses to give you their details then you must tell the police who may already be at the scene.

Step 5: Document the scene

Get pictures of the scene after the accident, focusing on any damage to vehicles and your injuries.

Also try to get a picture of the scene that clearly indicates the location of the accident. If the road surface was one of the reasons for the accident then get a picture of that as well.

Step 6: Obtain a medical report

Have your injuries assessed at a hospital and obtain a medical report, this could be critical evidence in your accident claim.

Step 7: Inform your insurer

Once you contact your insurance company they will begin handling your claim and will contact you with the next steps. Aim to contact your insurance provider as soon as possible.

Insurance policies won’t always cover you for any injuries you receive as a result of a road accident, however there are optional extras that allow you to claim for damages in the event of injuries caused by an accident called Personal Accident or Personal Injury cover.

Next page: Why every biker needs a motorcycle Crash Card