Driving a two-wheeler is not just about the thrill of speed and the feel of the wind on your face. You need to know about motorbike safety and you need to learn what motorbike accident claims are. Motorcycles are not the safest form of land transportation. On a two-wheeler, you are more likely to get into a crash and to sustain bad injuries than on a four-wheeled car. That is why it is crucial that you get insured.

What exactly are motorbike accident claims? These are requests made to your insurance provider for you to be compensated for a motorbike accident that you did not cause. If approved, you will get back what you have paid as a result of the accident. You will also get the related cost of your personal and material loss and damages. These are:

- Medical expenditures - These include the actual hospitalization right after the accident and the succeeding treatments and rehabilitation for your wounds. Cosmetic surgery and artificial limbs are also insured.

- Counseling and therapy costs - Therapy for those who experienced intense emotional and psychological trauma as a result of the accident are also covered.

- Loss of income and earnings - Injuries received from motorcycle accidents may need a prolonged amount of time for healing. Some may be so serious that you might not be able to work again. In either case, your job or business is at risk and you have to be compensated. If you are disabled, retraining needed to get back your job before the accident or a new position that suits you is also covered in the accident claim. Diminution of earning capability is also considered in filing for compensation.

- Repair or replacement for damaged properties - Any property of yours that was destroyed during the accident is part of your accident claim and should be repaired or replaced. This involves your helmet, clothes, and the motorcycle itself.

- General and punitive damages - Suffering and pain, humiliation, anxiety, and panic resulting from a motorcycle accident are some of the examples of human loss included in general damages. Punitive damages are damages received from intentional and risky acts that caused the accident.

An important thing to do after an accident is to report it to your insurance provider. They will help you get compensation for your misfortune, particularly if another party is the offender. Here are some important things to do when you have an accident. These will help you in filing for the accident claim.

- Call the attention of the authorities.

- Write down the other driver's full name, complete address, contact numbers, and license number.

- Take note of the other vehicle's license number, make, model and color.

- Talk to the witnesses and, if possible, request their names and contact information.

- Do not move the motorcycles. At least wait until the police recommend you to do so.

- Take pictures of damages to both vehicles.

- Take photos of the scene of the accident, considering skid marks, positions of the vehicles, and road hazards.

- Get medical assistance for your injuries.

- Have yourself photographed with your injuries.

- Do not readily admit fault. Give your version (in writing) of the incident and wait for the police to study the scene.

- Call your insurance company.

- Make an assessment of the damages sustained including possible loss of salary and earnings.

Motorcycle owners are known as careless drivers and threats to other motorists. That is why there are insurance companies that specialize in motorbike accidents. As a motorcycle rider, being acquainted with motorbike accident claims is a must.

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