Do You Need to File an Insurance Claim for a Dropped Motorcycle?

Weigh the Costs and Benefits

Consider the Damage

The first step is to assess the damage to your motorcycle. If the damage is minor, such as a few scratches or dents, you may be able to repair it yourself for a relatively low cost. However, if the damage is more severe, such as a cracked fairing or a bent frame, you will likely need to file an insurance claim.

Review Your Policy

Once you have assessed the damage, you should review your insurance policy to see what is covered. Most motorcycle insurance policies will cover damage caused by accidents, but they may not cover damage caused by dropping your motorcycle. If you are unsure whether your policy covers dropped motorcycles, you should contact your insurance company.

Consider the Cost

If you do decide to file an insurance claim, you should be aware of the potential costs. You will likely have to pay a deductible, which is a set amount that you pay before your insurance company starts to pay for the damage. You may also have to pay for a rental motorcycle while yours is being repaired. In addition, filing an insurance claim can increase your insurance premiums in the future.

Conclusion

Whether or not to file an insurance claim after dropping your motorcycle is a personal decision. There are a number of factors to consider, such as the extent of the damage, your insurance policy, and the potential costs. If you are unsure what to do, you should contact your insurance company for advice.