If you are unfortunate enough to be involved in an accident that is not your fault it is important to know exactly what to do, especially as it will help to ensure that your insurance claim goes through as quickly and smoothly as possible.
First of all, get hold of all of the details that you possibly can; ask for the other driver's name, address and telephone number, the name of their insurance company and their vehicle details, including the make, model, registration number and colour. Make a note of the time and exact location of the accident and how you remember events unfolding.
Before you move the vehicles from the scene of the accident, try to take as many photographs as possible. Get your phone out (even better if you have a camera to hand) and photograph the accident from as many angles as possible. Make sure that you also take a photograph of the other vehicles number plate and try to take a photograph of the other driver.
Find out if anybody in the vicinity witnessed the accident. If so, then take their details - at the very least take their name and telephone number. Most insurance companies prefer if you can take their address as well. Try to find as many witnesses as possible, as if the other parties involved dispute their culpability they could prove to be very useful in making sure you are not blamed.
Similarly, if the other driver admits that they caused the accident then ask them to sign a statement detailing that they have admitted it was their fault. If that isn't possible, record them on your phone or get them to admit fault in front of an independent witness.
If you have suffered any injury then ensure you are checked out by a medical professional as soon as possible. You may find that injuries that seem minor may feel more severe once the adrenalin has dissipated, so don't be reticent in seeking medical attention. The police can make a record of the injury if they are present. If the injury causes you to take some time off work, it is important to have proof of when it occurred and its cause for your motorcycle insurance claim.
Finally, even if your pride and joy has been destroyed in the accident, stay calm. You may do or say something that you later regret. If you fly into a fit of rage it may cause the other parties involved to flee the scene of the accident, which will make tracking them down and gathering their details to make a claim far more difficult. Try to stay calm and remember to get as many details, witnesses and photos as possible.
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