If you were hurt in a motorcycle accident in Michigan, the steps you take right away can affect your health, your insurance claim, and your ability to recover compensation. Motorcycle crashes often involve more serious injuries, more disputes over fault, and more confusion about No-Fault coverage than ordinary car accidents. This guide explains the most important steps riders should take to protect themselves after a crash.
10 Steps To Take After a Motorcycle Accident in Michigan
1. Call the police and make sure a report is filed
If you have been injured in a motorcycle accident in Michigan, you should call the police and make sure a report is filed. A police report is important because it helps document your side of the story, identifies witnesses, and records insurance information for the people involved in the crash. That can matter a lot in motorcycle cases, where riders are often blamed unfairly and the insurance company may start disputing fault early.
When you speak with police, stick to the facts and make sure your injuries, symptoms, and version of events are clearly reported. If the crash involved a left turn, failure to yield, a lane change, poor visibility, or dangerous road conditions, those details should be documented too. Under Michigan law, crashes involving injury, death, or apparent property damage of $1,000 or more must be reported to police, and the responding agency uses Michigan’s UD-10 Traffic Crash Report system for reportable crashes.
2. Get medical treatment right away
Seek medical treatment immediately after a motorcycle accident in Michigan for any injuries you have suffered and for any symptoms you are experiencing, no matter how minor they may seem at first. Motorcycle crashes often cause serious injuries, including head trauma, fractures, internal injuries, spinal injuries, and road rash. Some injuries may not be obvious right away, but they can become much worse after the shock of the crash wears off.
Prompt medical care is important for both your health and your claim. Injuries that are not documented early are often harder to connect to the motorcycle accident later. The sooner you get proper testing, diagnosis, and treatment, the sooner you can start recovering and the easier it may be to show that your injuries were caused by the crash. You should also return to the doctor if new symptoms appear after your initial treatment.
3. Report and document all injuries and symptoms
After a motorcycle accident in Michigan, it is extremely important to report every injury and symptom you have, no matter how minor it may seem at first. Report your injuries and symptoms to the police, the EMTs who respond to the scene, and every doctor, nurse, or medical provider who treats you. Ask medical providers to document all of your complaints because if an injury or symptom is not reported early, the insurance company may later argue that it was not caused by the crash.
This is especially important in motorcycle accident cases because riders often suffer severe injuries that are not always fully obvious right away. Be sure to report symptoms such as loss of consciousness, memory problems, confusion, headaches, dizziness, blurred vision, ringing in the ears, numbness, weakness, back pain, neck pain, road rash, or trouble thinking clearly. These can be signs of a traumatic brain injury, concussion, spinal injury, or other serious condition. The sooner your injuries and symptoms are documented, the easier it may be to connect them to the motorcycle accident and get the treatment you need.
4. Preserve the motorcycle, helmet, and riding gear
After a motorcycle accident in Michigan, do not repair the motorcycle too quickly, throw away your helmet, or get rid of damaged riding gear before the evidence is documented. The motorcycle itself, along with your helmet, jacket, gloves, pants, and boots, may all help show how the crash happened and how serious the impact was. You should also take clear photos of the motorcycle damage before it is moved, stored, or repaired.
This step is especially important in motorcycle accident cases because physical evidence often tells a big part of the story. Helmet damage may matter even if it looks minor, and torn or damaged riding gear may help support the force of the collision and the seriousness of your injuries. If you were using a GoPro, helmet cam, or any other recording device, make sure that footage is preserved as well before it is lost, overwritten, or deleted.
5. Take photos and gather motorcycle-specific evidence
If you are physically able, take as many photos as possible before the scene changes. In a motorcycle accident case, the right photos can help show exactly how the crash happened and why the rider should not be blamed. Take pictures of your lane position, skid marks, gouge marks in the pavement, the debris field, the intersection layout, and the final position of the motorcycle and the other vehicle.
You should also photograph anything that may explain why the crash happened, including visibility issues, a left turn across your path, blocked sight lines, potholes, loose gravel, slick pavement, uneven pavement, or other dangerous road defects. Be sure to document damage to both vehicles from multiple angles. If there are nearby businesses, traffic cameras, doorbell cameras, or witnesses who saw the crash, try to identify them right away before that evidence disappears.
6. Do not give statements to insurance adjusters
Do not give statements to an insurance adjuster after a motorcycle accident in Michigan until you have talked to a lawyer. Insurance adjusters and defense lawyers are not calling to help you. They are often trying to get you to minimize your injuries, guess about what happened, or say something they can later use against you to deny benefits or reduce the value of your claim.
This is especially important in motorcycle accident cases because riders are often blamed unfairly. The insurance company may try to argue that you were speeding, hard to see, or riding carelessly. If an adjuster keeps pushing to talk, you should be very careful. The same is true if the insurance company wants to inspect the motorcycle or review the damage right away. What you say, and what they document early, may later be used to challenge your injuries and your right to compensation.
7. Do not sign anything without legal advice
Do not sign a release, waiver, settlement, or any other document from an insurance company after a motorcycle accident in Michigan without getting legal advice first. You should also be very careful about signing and cashing a check from the insurance company before you understand exactly what it means. The paperwork that comes with a check or settlement may contain language that gives up important rights, even if the payment is described as only covering property damage or a small part of the claim.
This is especially dangerous in motorcycle accident cases because serious injuries often take time to fully understand, and the insurance company may try to settle the case before the full extent of your damages is known. In some situations, signing early paperwork can affect your right to recover compensation for medical bills, lost income, No-Fault benefits, and pain and suffering. Before you sign anything, make sure you understand whether the insurance company is trying to close out claims that may be worth far more than they first appear. You can also learn more about what a motorcycle accident case may be worth before accepting an early settlement.
8. Apply for No-Fault benefits if they are available
After a motorcycle accident, you should determine whether Michigan No-Fault Insurance benefits are available and file the required application as soon as possible. In motorcycle accident cases involving a car or truck, Michigan’s No-Fault priority rules may determine which auto insurance company is responsible for paying benefits. If No-Fault benefits are available, filing the application can help protect your right to recover medical expenses, lost wages, replacement services, mileage to medical appointments, and attendant care.
It is important not to wait too long to act. Michigan law imposes strict deadlines for giving written notice of injury and protecting a claim for No-Fault benefits. Under MCL 500.3145, written notice generally must be given within 1 year after the accident unless an exception applies. If no applicable coverage is available through the usual priority order, a claim may need to go through the Michigan Assigned Claims Plan.
9. Get a copy of the police report
After a motorcycle accident in Michigan, you should get a copy of the police report as soon as it becomes available. In many cases, you can buy your crash report through the Michigan State Police Traffic Crash Purchasing System. It can take about 3 to 30 days after the crash for the report to be processed and made available online, and the system says you will generally need the date of the crash plus driver information or a crash number to search for it.
Once you get the report, review it carefully. Make sure the basic facts are correct, including the date, location, vehicles involved, witness information, and insurance details. You should also look closely at how the crash is described, especially if it involved a left turn, failure to yield, lane change, poor visibility, or dangerous road conditions, because errors or omissions in the report can affect how the insurance company evaluates a motorcycle accident claim.
10. Keep records of treatment, expenses, and lost income
After a motorcycle accident in Michigan, keep records of everything connected to your injuries and recovery. This includes medical records, bills, prescriptions, mileage to appointments, out-of-pocket costs, time missed from work, and any documentation showing how the crash has affected your daily life. In a motorcycle accident case, these records can help show both the seriousness of your injuries and the financial impact the crash has had on you.
It is also smart to keep photos of your injuries, copies of repair estimates, towing bills, and receipts for damaged riding gear. If your injuries affect your ability to work, sleep, drive, or handle normal activities, make notes about those problems as well. Good records can make it easier to prove damages and respond when the insurance company tries to downplay the effects of the motorcycle accident.
FAQs About What to Do After a Motorcycle Accident in Michigan