Getting hit while you are parking your motorcycle might not seem like a big deal at first. In New York, however, even a low-speed collision can result in significant costs, insurance headaches and legal complications. If this happens to you and you park your bike legally on a city street, outside your home or in a garage, you need to act fast. Protecting your rights starts with knowing what to do next.
Here are some practical steps to take when you find yourself in such a situation.
Take photos and gather information
The more evidence you collect, the stronger your case will be. Start documenting what happened. Take clear photos of your motorcycle, the damage, the road, nearby signs and any skid marks or debris. If the driver is still present, ask for their name, phone number, license plate and insurance details. If they drove off, write down every detail you remember. It may include the other person’s vehicle, including its make, color, and direction. Check for witnesses or nearby security cameras.
Call the police
Even if the damage appears minor, it is advisable to obtain an official police report. You can use this to document the accident. It is invaluable, especially if the other driver denies what happened later. In New York, you must file a crash report with the Department of Motor Vehicles (DMV) if the damage is more than $1,000. You should do it within 10 days. Without it, the agency could suspend your license.
Let your insurance know
Notify your insurance company as soon as you can. If the at-fault driver has insurance, their policy should cover the damage to your vehicle. If they have no insurance or you cannot identify them, your collision or uninsured motorist coverage may apply. Save all bills, estimates, and related records in case you need to prove your losses later.
Know who’s liable
Liability usually falls on the person who caused the crash—even if your motorcycle was unattended. Drivers must avoid hitting parked vehicles. If they were distracted, careless or speeding, they may be legally responsible for the damage. But if they evade their responsibility, recovery might depend on your insurance.
Talk to a lawyer
You may think that just because your motorcycle was not in motion, you do not have a case. You still have the right to seek compensation. Consider consulting a motorcycle accident lawyer for assistance. They can review your case, help you file claims and deal with uncooperative insurers. They can also guide you on the next steps if the damage is costly or your injuries are severe.