What is the process for motorcycle damage assessment and insurance claims?
2 Answers
If it is an accident involving both parties with clear liability, do not leave the vehicles at the scene as it would severely obstruct traffic. Both parties can negotiate and then move the vehicles aside. If it is a single-vehicle accident, you need to report the incident within 48 hours. After damage assessment, proceed with vehicle repairs. The insurance company will reject claims if this timeframe is exceeded.
Last year, I accidentally scraped my motorcycle while riding on the road, and the process turned out to be a bit troublesome. After the incident, the first thing to do is to park the vehicle in a safe place and avoid moving the scene to prevent secondary dangers. Then, call the insurance company to report the accident—they will ask for details, including the time and location of the incident. When the loss assessor arrives to inspect the vehicle damage, I waited patiently for nearly an hour—usually, they take photos and assess which parts are damaged, such as the body shell or frame. After the assessment, it’s recommended to go to a designated repair shop for convenience, though you can choose your own repair shop as well, but make sure they provide a formal invoice. Once the repairs are done, bring documents like your ID and insurance policy to the insurance company to file a claim. Remember to keep all receipts and photos throughout the process to avoid disputes later. From my personal experience, the entire process takes at least a few days, and it can be longer during peak periods—don’t rush, safety comes first.
