7 min.

Checklist: What to Do After a Bike Accident

Learn essential steps to take after a bike accident with our comprehensive checklist. From ensuring safety and gathering information to filing insurance claims and seeking medical attention, get practical advice for a smooth recovery and legal support. Stay informed and prepared.
Checklist: What to Do After a Bike Accident
Published on
May 31, 2024

Accidents can happen with any mode of transport, and cycling is no exception. Knowing what to do immediately afterward is essential for your safety and peace of mind. Our comprehensive checklist is designed to guide you through the necessary steps, ensuring you stay calm and collected during a stressful situation. By being prepared, you can handle any incident smoothly and focus on getting back on your bike with confidence. Stay informed, stay safe, and enjoy the ride.

Immediate Actions After a Bike Accident

Ensuring Your Safety and the Safety of Others

The first and most crucial step after a bike accident is to ensure your safety and the safety of others involved. If you can, move to a safe location away from traffic. If someone is seriously injured, try not to move them unless it's necessary to prevent further harm.

Checking for Injuries and Calling for Help

Assess yourself and others for any injuries. Even if injuries seem minor, it's essential to call for help. Dial 112, the emergency number in Belgium, to request medical assistance and police presence. If you are unable to make the call, ask a bystander to do so.

Gathering Information

Collecting Details from Involved Parties and Witnesses

Exchange information with all parties involved in the accident, including names, addresses, phone numbers, and insurance details. If there are any witnesses, collect their contact information as well. Witnesses can provide valuable statements if there are disputes about what happened.

Documenting the Scene with Photos and Notes

Take photos of the accident scene, including your bike, any other vehicles involved, and any visible injuries. Note down the time, date, and location of the accident, as well as the road and weather conditions. This documentation will be crucial for insurance claims and any legal proceedings.

Reporting the Accident to Your Insurance Company

How to Report the Accident

While reporting to the police is important, especially for significant accidents, initiating your insurance claim promptly is crucial for ensuring coverage and support. Contact your insurance company as soon as possible to report the accident and provide them with all necessary details. The procedure may vary according to the provider.

Reporting to Ubike Insurance

If insured by Ubike partners, the process is as follows:

  1. Notification: If you've been in a bicycle accident, please let Ubike know within 48 hours by emailing
  2. Documentation Required:
    • Your coverage policy (cf. Standard Service Package or Serenity Package).
    • A completed claims document.
    • Photos of the damage.
    • An estimate for the repair of the Ubike dealer (which doesn't have to be provided within 48 hours).
    • If a third party was involved, the police report will also be required.
  3. Coverage for Personal Injury: If you sustained personal injury, your work accident insurance will cover you if the accident happened on your way to or from work, or your family liability insurance will cover you.

Steps to File an Insurance Claim

  1. Contact Your Insurance Company: Notify your insurance provider about the accident as soon as possible.
  2. Provide Documentation: Submit all necessary documentation, including the police report, medical records, photos, and notes.
  3. Follow Up: Keep in touch with your insurance adjuster and provide any additional information they may need.
  4. Understand Your Coverage: Review your policy to understand what is covered and any potential out-of-pocket expenses.

Seeking Medical Attention

Importance of Getting Checked by a Medical Professional

Even if you feel fine, it's crucial to get checked by a medical professional. Some injuries may not be immediately apparent but can cause serious health issues later. A medical evaluation will also provide official records of your injuries, which are important for insurance claims and legal matters.

Keeping Records of Medical Treatments

Keep detailed records of all medical treatments, including doctor's visits, prescriptions, and therapy sessions. These records will be necessary for insurance claims and can also be used as evidence if you need to take legal action.

Insurance and Legal Considerations

Understanding Your Insurance Coverage

Review your insurance policy to understand what is covered in the event of a bike accident. Contact your insurance company to report the accident and initiate the claims process. Provide them with all the necessary documentation, including the police report and medical records.

When to Consult a Lawyer

If the accident results in serious injuries or significant property damage, or if there is a dispute about who is at fault, it may be wise to consult a lawyer. A lawyer with experience in bike accident cases can help you navigate the legal process and ensure you receive fair compensation.

Recovery and Prevention

Tips for Physical and Emotional Recovery

Recovery after a bike accident can be both physical and emotional. Follow your doctor's advice for physical recovery, which may include rest, physical therapy, and gradual return to cycling. Address any emotional trauma by talking to a therapist or joining a support group for accident victims.

Learning from the Accident to Prevent Future Incidents

Reflect on the accident to understand how it happened and what could have been done differently. Use this knowledge to prevent future incidents. This may involve improving your cycling skills, using better safety gear, or being more aware of road conditions and traffic.

Extra Tip: Lost Your Lock Key?

Losing your bike lock key is less an accident and more an incident, but it can still be quite frustrating. It's important to address this issue promptly. If you lose a key, you should immediately get a duplicate made by the lock producer, who can do this based on the key's serial number. In the event of bike theft, if you cannot provide proof of having both keys, the insurance company will not cover the theft. Remember, it's your responsibility to ensure you have two keys, not the insurer’s.


Knowing the steps to take after a bike accident can significantly impact your recovery and legal outcomes. By ensuring safety, gathering information, reporting to your insurance company, seeking medical attention, and understanding your legal rights, you can navigate the aftermath of an accident effectively. Remember, safety starts with you—stay alert, stay prepared, and ride safely.

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