Insurance Advice: What should I do following an accident?

If you're ever unlucky enough to find yourself in an accident with your bike you'll have a lot of questions flying through your head. MCN Compare have taken some of the most frequently asked questions and answered them here for you; to help take some of the mystery our of insurance.

• Safety
Stay calm and consider your immediate safety. Get out of the road and call for help if needed.  “Recognise your limitations and get the help you need,” said a spokeswoman for the Institute of Advanced Motorists. “If someone is injured, and you’re unsure what to do, dial 999.” Remove the keys from your bike. Don’t remove a rider’s helmet unless you’re trained to do so, or the wearer isn’t breathing. If the road is blocked by wreckage, phone the police. Where safe to do so, warn oncoming traffic.


• Evidence
If the accident is serious, don’t move anything unless absolutely necessary. Where safe to do so, take photos to show where vehicles came to rest, and of any contributing road defect and damage to vehicles. Sketch the scene if possible and get details of any witnesses.

On-scene admissions of fact, such as ‘I didn’t see you,’ can be important, especially if they are independently witnessed.


• Exchange details
Exchange details with all parties involved. Legally you must provide your registration number, name and address. If there is a reason why you can’t, you are under a duty to report the incident to the police within 24 hours.
If you think the other party’s driving was impaired, for example by drink or phone use, call the police. Also call the police if the other party fails to provide details. Failing to stop at an accident where injury or damage has occurred is an offence.

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