What to Know About Motorcycle Accidents and Auto Insurance

f you are injured in a motorcycle accident, you may be wondering if your auto insurance will cover the incident. It’s an important question to ask, as motorcycle accidents can cause serious injuries that can incur high medical bills. Here’s an overview of what you need to know about motorcycle accidents and auto insurance coverage.

Different Types of Auto Insurance Coverage
There are three primary types of auto insurance coverage that could provide you with some financial protection in the event of a motorcycle accident. The first type is liability coverage, which pays for damages and injuries caused by another driver. If another driver was at fault for your accident, their liability coverage should cover any medical expenses or property damage that resulted from the crash. The second type is collision coverage, which pays for repairs to your vehicle regardless of who was at fault. Finally, comprehensive coverage provides protection against non-collision incidents such as theft or vandalism.

Important Notes About Liability, Collision and Comprehensive Coverage
It’s important to note that while most auto insurance policies provide some level of liability and collision coverage, comprehensive coverage is typically optional and must be added to your policy separately. Additionally, there are exclusions for certain types of vehicles such as motorcycles or recreational vehicles like ATVs and boats – so even if you have the necessary type of policy it may not cover these types of vehicles.

What To Do After An Accident
If you are involved in a motorcycle accident, the first step should always be to seek medical attention as soon as possible. Once your health has been addressed, contact your insurance company right away to file a claim regarding the incident – they will need all the details surrounding the crash including when it occurred and where it happened before they can begin processing your claim. It’s also important to collect evidence from the scene if possible such as photos or video footage which can help support your claim later on down the line.

Final Thoughts
Motorcycle accidents can cause severe physical harm along with costly medical bills – but fortunately there may be options available when it comes to filing a claim with your auto insurance provider depending on what type of policy you have and its exclusions regarding certain types of vehicles like motorcycles or recreational vehicles.

If you find yourself injured in a motorcycle accident, make sure to seek immediate medical attention before contacting your insurance company about filing a claim for damages or repairs due to the incident. With this information in tow, you can rest easy knowing that whatever happens next will be taken care of appropriately and efficiently moving forward!

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