If you are unlucky enough to experience a stolen motorcycle, there are two options for the owner. One is that you have insurance that covers theft, and another option is that you don’t. Surprisingly, there are many users who do not have it contracted in their insurance, and that means that if the motorcycle does not appear you are left with nothing.
But in case you do have coverage for the theft and after the pertinent report (which you must make, logically, even if you do not have insurance), a period of one month begins. After that period of time, if the motorcycle has not appeared, the insurance will compensate you.
How much will the insurance compensate you if your stolen motorcycle does not appear?
If the stolen motorcycle does not appear within that period of one month, there are scales that dictate the prices of motorcycles by displacement. They are known as venal values and it is the BOE itself that publishes them, assigning a price on which a second table is then applied in which, depending on the age of the motorcycle, the percentage of the same that is worth the value is given. motorbike.
That is the price they will pay you for your stolen motorcycle, but it may also vary depending on the insurance policy you have. Because there are insurance policies with improved market value clauses that pay more, since they take into account the market and not just a table. Let’s say that the market value is the minimum they can pay you, but it does not mean that your insurance is what will pay you. It depends on the clauses and for that reason you have to read them very well.
Furthermore, although this is not the case, it is the scale with which compensation is also set for accidents, so it is something that does not hurt to take into account for what could happen.
What happens if my stolen motorcycle appears after receiving compensation?
On some rare occasions, the stolen motorcycle may reappear and also in conditions that allow it to continue operating. So, what happens to the motorcycle if I have already collected the compensation and it appears?
Well, the most common thing that usually happens is that the motorcycle ends up in the scrapyard, as you can see in the video we attach. But there is also the possibility that you will recover it if you return the money they gave you as compensation.
Logically, it depends on how much time has passed. Maybe you already have a new motorcycle and you have no money because you have invested it in it. But you will always have that option and it depends on what they paid you for your old motorcycle, and the market value, you may be interested in making the effort. Although that is something that each one must value.
What is important is that you know that according to the law, by returning the compensation, you will be able to recover your motorcycle.
