Do You Require a Courtesy Motorbike Following a Non-Fault Accident?
Motorcycle accidents change life for many people who wind up with severe physical injuries as well as a great deal of inconvenience. A drawback to this plan is not having transportation when you are having your motorcycle repaired or replaced. However, if you have been in a no-fault accident, then you could be eligible for a replacement motorbike. This article will discuss the essentiality and importance of owning a courtesy motorcycle, it’s procedure to get it and also the legal factors associated with it.
Non-Fault Accident Explanation
A non-fault car accident is just what it sounds like; you were not at fault in the accident. Instead, the error is committed by another person who may be negligent or acting dangerously which led to the accident. Because of this you can recover damages from them as well for things like the cost of a hire bike in those circumstances.
The Benefits of Riding a Courtesy Motorbike
Retaining Mobility
Following an accident, a replacement motorbike ensures you are not left without a means of carrying out your normal daily activities. Whether you are commuting to work, or enjoying your motorcycle in your free time, a courtesy bike ensures you remain mobile.
Zero Cost
Most likely the at-fault parties insurance company gets the bill for the courtesy bike. This allows you to keep a car without costing you more money, as you may have other costs associated with the accident already.
Eliminate Stress
Post accident stress sucks. Receiving a courtesy motorbike can ease some of that burden, keeping you on the road with a bike you can trust while your claim is processed, and your bike is fixed or replaced.
Getting a Courtesy Bike After a Non-Fault Accident
File the Accident
Notify your insurance company of the accident right away and be sure to give all required information. Be sure to specify that you will require a courtesy motorbike.
Use Claims Management Company
Claims management companies deal mostly with non-fault accident claims. They may help you to secure a courtesy motorbike and manage you complete delve into process.
Supply documentation
You are expected to provide documentation, including a copy of the accident report, information about the other driver’s insurance and any other pertinent details.
Bike assessment
In this process, a proper examination of your wrecked bike will be done to see how much repair it requires.13. According to the result of this assessment, a courtesy motorbike, equivalent of your own bike will be assigned.
Home delivery and pick up of the courtesy bike. You can use it until your vehicle is repaired or until your claim is resolved.
Courtesy Motorbikes and the Law
Right to a Courtesy Motorbike
Tort law allows you to recover damages caused by another’s negligence. This includes a replacement vehicle. If you are involved in a non-fault accident, you are entitled to a like-for-like motorbike hire from the other party’s insurer.
No Impact on Your Insurance
If your own policy covers the bike to be used as a courtesy bike, then you should be able to respect that it will not affect your own policy. The at-fault party’s insurance should pay the cost and it should not go on your claims history or increase your premiums.
Like-for-Like Replacement
However, you should be provided with the closest thing to your own motorbike found in your courtesy motorbike which was a like-for-like replacement, ergo the courtesy motorbike should bear similar size and type to your actual motorbike. This ensures your suiting transportation!
No Excess Payments
Courtesy Motorbike Unlike claiming on your own insurance, in cases involving the at-fault party’s insurer, courtesy motorbikes can usually be provided without having to pay an excess. This makes your economic burden partly done.
Rental Period
You are allowed to use the courtesy motorbike for a particular duration of time. In most cases, you are allowed them until your own motorbike is fixed or your claim is made. Always stay in contact with CMC as they should let you know what the exact criteria is.
Selecting the Best Claims Management Company
Here are some of the key considerations to make when selecting a claims management company to help you with your non-fault accident claim:
Reputation and Reviews
Investigate the reputation of the company and online reviews of past clients. A reputable company for its good reviews will be more likely to give you satisfactory services
Experience and Knowledge
The service provider you plan to hire should have experience in dealing with motorbike accident claims. They will make sure to process your claim as easily and as quickly as possible especially with their expertise.
Client services
The convenience for enjoyable client services is important. Ideally, the company will answer using comprehensive and caring information throughout the process.
It says: No Win, No Fee – There are companies that specialise in managing claims on your behalf, Our company: operates a no win, no fee arrangement so should we be unsuccessful you will not have to pay any fees This can give you comfort and financial stability.
Myth Busting and FAQs
How would you insurance be impacted?
There is one issue that is often raised, and that is how getting a courtesy motorbike might. impact upon your own insurance premiums. As long as the other party is at fault, the expense is normally paid for by that other party’s carrier and will not affect your premiums or claims history.
But What If I Dont want a Bike?
These courtesy cars can be an excellent alternative mode of transportation if you are not comfortable or willing to ride a motorbike after a bike accident. This guarantees you have alternate transport whilst the claims process is on.
When Will You Get Operative Two wheeler in Replacement of Courtesy Motorbike?
The length of time it will take to get a courtesy motorbike will depend on your accident and claims circumstances. Nonetheless, trustworthy claims management companies usually can get you back on the road in a replacement vehicle as soon as is realistically achievable, sometimes within a day of you first contacting them.
Motorbike written Off? What Happens Now?
If your motorbike is written off after an accident, you will also be able to claim a courtesy motorbike until the claim is settled. Further, you are going to be paid for the pre-accident price of your motorbike, so they offer you the money for you to acquire another one.
Conclusion
If you have been involved in a non-fault motorcycle accident, it is likely that you are dreading the regular passenger car provided by the insurance company but knowing your entitlements to a courtesy motorbike and how to claim one can make the experience just a little bit easier. A temporary replacement motorbike helps you to lead the same life swiftly as of before, during the processing of your claim.
Using a well known and upstanding claims management company you can have a like-for-like courtesy motorbike free of charge, allowing you to stay on the road and concentrate on getting over from the accident. You are entitled to this non- fault courtesy motorbike and it should not affect your insurance or your finances.
