Insurance Claim Checklist

Off-topic
1

Hey Peeps,

I found this on another website (yes, ashamed to say I do use the interwebbery for more than just LD :blush: ) - might be useful to someone at some point:

  1. Report the accident of course.

  2. Get photos of the accident and accident scene and write a accident report. You should try to use a map from somewhere like multimap and draw the direction of travel, the vehicles and accident spot on it. Be ready to send it in ASAP. The address you can get from the insurer or the letter they send you.

  3. Take photos of all the damaged kit and the bike.

  4. Take photos of any damage on you.

  5. If you didnā€™t take photos at the accident scene go back and take photos at the same time of day/night it happened. If at night get some daylight photos as well.

  6. Keep on top of what is happening and phone once a week for a update. They might be sick of hearing from you but at least you know what is happening and you catch slip ups.

  7. Make sure engineer is booked to go check the bike. Follow up when he is going and be ready for the call.

  8. While you wait for the engineer to phone do your homework on MCN and autotrader in case the bike is written off. The more prices and shops you can give that is a higher price than what the engineer offers the better. He will always try to go back to the Glass price but in the end you can push it higher by having this ammo.

  9. Get quotes to replace your damaged kit. If you have receipts even better (never throw receipt away for your kit).

  10. You should have a lawyer by now. If not you can sometimes buy legal cover after a accident. You need to send everything you can think of to the lawyer. The more info he/she has the better. IE: Photos of the accident scene (the ones you sent onto the insurer), photos of the damaged kit, photos of the damage on you, no bike photos unless asked (damage to the bike is for the insurer to sort out), accident report, etc.

  11. You are lucky get the money in your bank account for bike under fully comp in under a month. The personal injury, damaged kit and other things claim can take anything from 2/3 months upwards.

  12. Never say you were filtering if you can avoid it - as soon as the word ā€œfilterā€ appears, they will try to blame you.

  13. If you are injured keep a pain diary and write everything down as you recover. This is important for the day when you have to go see the doctor. You need to see a doctor ASAP after the accident to get all problem noted down. If you donā€™t then your personal injury claim is worth less and you have to ā€˜proveā€™ more.

  14. Email a weekly update to your lawyer just to keep him/her in the loop of how things are progressing from your side. Donā€™t phone them weekly but expect at least a returned email or call from time to time from him/her. Things can take weeks to progress in the world of lawyers.