A lawyer who does not focus on bicycle accident cases may be unaware of the unique problems carbon frames bring about after a collision. A lawyer specializing in vehicle crash cases may not be conscious of the safety risks associated with a carbon frame striking the pavement at speeds of 15 to 18 mph without any apparent frame damage.
Although most bike stores are aware that even if a carbon frame is in good condition after an accident, it might be time to replace it. If you are involved in such an accident and unsure about what to do next, do contact lawbike.com.
What are the steps to take after your bike is damaged in an accident?
Insurance providers can deduct a bicycle that has suffered significant damage or has been destroyed. In several cases, having an experienced bicycle injury attorney on your side enhances your probability of receiving a complete replacement without depreciation.
Before replacing or rebuilding your frame, parts, or equipment after being struck by a car, you must speak with your attorney. The wreckage from the collision includes your helmet, your broken bike, and your gear. At the scene of the incident, try your best to help the police. Please make a note of the specific locations of each component and include it in their crash report.
- Inform your insurance company.
Informing the insurance company of an accident is the first and most important thing to do. Bringing up your two-wheeler accident claim begins with this. When you get involved in a two-wheeler accident, the insurance company needs you to file a claim immediately. When you have a minor accident, the company helps you figure out what to do next. However, dropping your two-wheeler from the scene of the accident or having repairs done without notifying the insurer jeopardizes the process of filing a claim.
- Get a survey performed on your bike.
As previously said, the insurer has its surveyor assess the damage. If your bike sustains minor damage, your insurance provider might ask you to bring it to the nearest authorized repair shop. After visiting the workshop, the insurer’s surveyor evaluates the losses sustained. When a significant accident happens, the surveyor usually visits the scene to assess the damage. This survey is crucial because the insurer will utilize the surveyor’s reported and examined damages to determine what portion of the claim should be reimbursed. Once you notify the insurer, you will receive advice regarding the surveyor’s visit.
- Finish the repair process.
Repairs begin when the survey is completed. Depending on the extent of your two-wheeler’s damage, the repair process might take some time. Before moving on with the claim settlement procedure, you would need to wait out the repair period.
- File your claim
The final step is submitting your insurance claim to the provider. After your two-wheeler is fixed, this is completed. You must fill out and submit a claim settlement form provided by the insurance company. After the survey, the insurer is made aware of the estimated cost of repair. However, you must send the claim form and all of your original repair-related costs.
- Check your exact expenses out of pocket.
You might not receive the total cost of repairs in your claim settlement, regardless of whether your claim is paid for with cash or by reimbursement. Certain deductions decrease the amount of your claim. For example, every claim has a required deductible that you have to pay out of pocket. In the same way, the insurance covers the depreciation of the replacement or repaired parts. As a result, the claim usually costs less than the cost of repairs. Therefore, while filing your claim, ensure to look for any out-of-pocket payments of this type.
Conclusion
Once you know what to do, filing a claim on your two-wheeler insurance coverage is not difficult. Even if accidents are unexpected and unexpected, you can at least deal with financial repercussions if you know how to handle your insurance claim. Thus, be aware of these processes, file an adequate claim, and get a swift and easy settlement.
FURTHER READING
