What to do when your bike is stolen
To avoid the risk of other problems related to the theft must act quickly.
PREVENTING THE POLICE
Discovering that they had stolen his bike is a particularly unpleasant. Torn between frustration and irritation can sometimes remain defenseless against his parking found empty. Once you’ve digested a little further, the first thing to do is visit the police station to complain. You have 24 hours to save it. But better get there as soon as possible to be certain not to be accused of crimes or offenses committed by the thief (speeding, accidents, hit and run, steering, etc..).
INFORM THE INSURER
The maximum time to tell your insurance company is 48 hours. If you are insured third course you will not be refunded. To prevent hair loss, it is better to sign a contract protecting you from theft. To begin the application process, send a letter to your insurer. It must include a photocopy of the receipt of the declaration of theft. Beware of possible a letter sent late is grounds for non-repayment.
THE STAGES OF THE PROCEDURE
First scenario: Your bike is recovered within 30 days after the flight. The insurance will bear the costs of recovery and assess the damage. If the amount of compensation does not exceed the value of the bike, insurance will take care of everything.
Second scenario: If your bike is not recovered within 30 days, your insurer will indemnify you. You will be refunded after the insurer has sent an expert who will calculate the value of your bike according to the official symbol.
RELIS WELL YOUR CONTRACTS
Each insurance policy is different and must meet certain requirements to be reimbursed (to park in secure car park, have an alarm, a lock approved to burn his motorcycle). If you do not follow any kind, you may not be compensated. If you are the victim of a robbery, for example, your insurer will not reimburse you if it is not included in your contract. Similarly, if a potential buyer ran away with your bike, your insurance may consider that you have assigned to us voluntarily, and that therefore there was no “fraudulent removal of property of another. Morality, please read your contract in detail and to amend certain clauses, even paying a little more expensive.
IN CASE OF DISAGREEMENT
If you disagree with the expert of the insurance company, two solutions available to you. Through dialogue, you can try to modify the survey report. This applies if you have a bike that you hold special. For the expert exchange any marked part. For example, if your swing arm is barely scratched, but functional, the expert and the notified bill despite his change! That’s how you can save a motorcycle procedure RSV (repair exceeds the value). If your disagreement persists, please contact the professional association for the insurance company will impose a decision. Finally, it is always possible to go to court, but expect a long and difficult struggle. If the case involves less than 10 000 €, the District Court that will handle the case. Above this amount, it will be the High Court.
