What is the coverage of motorcycle accident insurance?
2 Answers
Accident insurance can cover motorcycle accidents, but compensation is only provided if the rider is licensed and has not violated traffic regulations. The following are specific details about the coverage: Compensation Conditions: If a road traffic accident involving the insured motorcycle causes personal injury, death, or property damage to victims other than the vehicle's occupants or the insured, the insurance company will provide compensation within the mandatory motor vehicle traffic accident liability insurance limits as stipulated by law. This includes compensation for death or disability, medical expenses, and property damage. How to Claim Compensation: In the event of an accident, promptly report it to the insurance company. After treatment concludes, the insurance company will require the following documents: policy, ID card, vehicle registration certificate, driver's license copy (if the vehicle registration or driver's license has not been renewed, they will not process the claim), medical records, doctor's diagnosis, medical expense invoices, and hospitalization proof. Generally, if all documents are complete, medical expenses can be reimbursed after one month. (Medical expenses must be paid out-of-pocket at the time of discharge).
I've been riding motorcycles for over ten years and rely on it for daily commuting. After purchasing accident insurance, I carefully studied the coverage, which mainly focuses on personal injuries, including medical expenses like hospitalization and surgery costs. In case of severe disability, a lump sum payment is made according to the disability rating, and if unfortunately deceased, there's a bereavement allowance for the family. It may also cover loss of income, which compensates for the time you can't work due to injury. However, accidents caused by drunk driving, speeding, or illegal vehicle modifications are not covered. Before buying insurance, read the terms carefully and choose a plan with high coverage. Wear a helmet and knee pads for safe riding, avoid going out in rainy weather, and check your tires regularly. These are my lessons learned to minimize risks.
