A motorcycle rider crashes into my car, now what?

One of the most common fears of car drivers these days is getting hit by a motorcyclist. Well, that and being run over by an out-of-control cement mixer (yes, it happens).

While the latter is a scarier prospect, the former has a greater chance of happening because of the sheer number of motorcycles plying our roads. Now, getting into an accident with a motorcycle puts you in a more complicated situation than a mishap involving another car.

Here are a couple of scenarios that would make you wish that you should have just stayed in bed that morning:

1. A motorcyclist crashes into your car at high speed. The rider will probably sustain injuries or worse. Even if you are not at fault, that will have to be determined by the authorities. While they are investigating, you will have to face criminal charges, and your car will be taken to the impound lot unless you arrive at a settlement with the other party (regardless of who’s at fault).
2. A motorcyclist hits your car at moderate speed and causes some damage to your vehicle. Thankfully, the rider is unharmed. While he admits his fault and is willing to take responsibility, he cannot pay for the repairs right away because he earns a modest income. Meanwhile, you drive around town with a broken tail light and a perpetually open trunk for ten months (assuming the guy uses his 13th-month bonus to pay off the damages).    

Again, with the number of motorcycles out there, these incidents probably happen all the time. There were 26,768 motorcycle accidents last year in the NCR alone, according to the Metro Manila Development Authority (MMDA).

The good news is that comprehensive car insurance companies give wide coverage for unforeseen events. From acts of God to acts of kamote*, they got you. (*Literally means sweet potato. Slang referring to irresponsible motorcycle riders)

According to MAPFRE Insurance Branch Officer Emerson Maddumba, their comprehensive insurance will cover the cost of repairs on your car for both scenarios. The coverage would even extend to hospital bills of the rider and repair costs on his motorcycle in case the policyholder is at fault.

Well, it’s certainly more helpful than the compulsory TPL, don’t you think?