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Should I put in a motorcycle claim if I was the only one hurt?
Should I put in a motorcycle claim? I hit a grease patch and crashed my bike yesterday. There wasn't anyone else involved. I am pretty banged up and my bike definitely needs to get repaired. Can I put in a claim just for me and my bike?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I am sorry to hear about your accident! Yes, you can submit a claim for a single-vehicle accident.
Since you were the only person involved, take a look at your policy to verify the coverage before contacting your insurance company. You will want to make sure that the appropriate coverage is available ahead of time.
Do you currently have
collision coverage
on your policy? If so, what is the deductible? If you know the damage to your bike costs more than the deductible and you don’t want to pay for the repairs out of pocket, you should submit the claim.Did you need any medical attention for your injuries? If so, do you have
medical payments
as a part of your policy? This is an optional coverage and not one everyone selects. If you do have this, the insurance company will make payments towards your medical bills up to the limits of your policy. If you don’t have medical payments, your health insurance will cover your injuries.Keep in mind that submitting a claim may impact the rate of your policy moving forward. In the future, you may want to consider more coverage for your needs, or you might want to shop around if you find your new rates are out of your budget. With the
Jerry
app, you can compare personalized rates from the top providers in just minutes.I hope you and your bike recover quickly.”
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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