Before riding, check your helmet fit, brakes, tires, handlebars, lights, reflectors, and battery charge. Make sure clothing, bags, and loose items cannot interfere with wheels or handlebars.

Document the vehicle, bike or scooter, road surface, traffic signals, signs, injuries, driver information, witnesses, insurance details, app ride records, repair estimates, and medical treatment.

Yes, a driver may be responsible if careless driving contributed to the crash. Examples may include unsafe turns, opening a car door into a rider's path, speeding, distraction, failing to yield, or driving too close to a cyclist or scooter rider.

A yearly review can help you understand liability limits, uninsured and underinsured motorist coverage, medical payments coverage, collision coverage, deductibles, rental coverage, and exclusions before a crash happens. It is also smart to review your policy after buying a vehicle, adding a driver, changing jobs or commute patterns, moving, or noticing major premium changes.

After a crash, exchange driver names, contact information, license information, insurance details, license plate numbers, vehicle make and model, and the location and time of the accident. If it is safe, take photos of vehicles, damage, roadway conditions, traffic signs, injuries, and documents. Also save witness names and any police report or incident number.

A practical car emergency kit can include first aid supplies, a flashlight, phone charger or battery pack, water, reflective triangles or flares, gloves, pen and paper, insurance and registration information, and a checklist of what to document after a crash. The goal is to help you stay safe and organized if an accident or roadside emergency happens.