Scooter Insurance Claims Guide

I decided to put this guide together after I received the second email asking about how to make a scooter insurance claim. So here it is; and while this in no way constitutes legal advice, I hope it covers the major points about scooter insurance claims.

Scooter Insurance Claims

Sadly accidents happen and while being involved can be a traumatic experience; it’s important that you know what has to be done should you have to make a claim on your policy.

First things first – if there has been damage to another vehicle or somebody is injured you must stop. Failing to stop at the scene of an accident is against the law and you the police take a hard line on this as in a lot of cases; those who fail to stop tend to be breaking other laws (drink/drug driving), no scooter insurance or no licence. Even if you aren’t at fault you must stop. I can’t stress this enough.

Secondly never admit blame or offer to pay for any damages. If the other motorist admits blame you must inform you insurance company.

Next you should exchange details of your scooter insurance company, again don’t offer to pay out of your own pocket because this is another rule that is law. Please not that if you are hit by an uninsured driver and are fully comprehensive; chances are you won’t lose your no claims bonus or have to pay any excess.

Lastly before leaving the scene you should take down the details of as many people who witnessed the accident as possible on top of anyone who was involved in the crash.

When you call your insurance company you should try to provide them with as much information as possible including any other persons who witnessed the collision. Try not to worry as the claims handlers deal with scooter insurance claims every day and will be able to guide you painlessly through everything. The best advice I can give you is to grab a warm drink and relax.

Once you claim is logged you can just sit back and leave everything to your insurance company.

Depending on your scooter insurance company they may collect your damaged vehicle, fix it and valet it.

If your scooter is a total write off then you will be contacted by a scooter insurance claims value manager and they will assess how much your scooter is worth and how much payout you will receive.

Technorati Tags: Scooter Insurance, scooter insurance claims