According to statistics, there is a demise in India every four minutes. 95% of fatalities on the road involve two wheels. The staggering number of traffic accidents instils fear in the populace. Additionally, the likelihood of suffering more severe injuries in two-wheeler accidents has clarified the necessity of two-wheeler third-party bike insurance.
How to File a Two-Wheeler Third-Party Insurance Claim for Your Bike
So, the lengthy process for submitting a claim for third-party two-wheeler insurance demands: *
- Calling the police and filing an FIR are the first steps to take in the event of an accident. The first is a required document to support your two-wheeler insurance claim later. Never put this off!
- The next step is to notify the bike insurance provider right away. The majority of insurance companies have a 48-hour window for incident notification. Always abide by the laws. The repercussions of breaking the rules can be horrifying.
- Try taking pictures of the damage, your or the other party’s injuries, the accident, etc., to support your claim. This could be excellent proof with all the necessary vivid details. Also, note any witnesses’ names and contact information who might be willing to testify to support your bike insurance claim. Additionally, make a note of the accident party’s insurance information. Even though these are extra suggestions, they will help your case.
- Be truthful, and don’t lie to the insurance provider. Hiding something connected could work against you.
- File a claim with the Motor Accident Claims Tribunal Court that has jurisdiction over the incident’s location. Remember that civil courts cannot determine the compensation under two-wheeler third-party insurance. It is recommended to follow the instructions and adhere to the rules.
- Record every conversation with an insurance provider, representative, or other person during the claim process. Keep all the invoices and receipts or other evidence of expenses incurred from the incident until the final claim settlement with the insurer.
Common Errors In Third-Party Bike Insurance Claims To Avoid
- Avoid fleeing the scene of the accident or moving your damaged vehicle. Check to see if the other party needs medical assistance.
- Don’t wait to call the police. It’s still unlawful if the person who caused the accident tries to settle with you without telling the police. Remember that a police FIR is a crucial document that will aid in quicker claims settlement.
- Do not panic. It makes sense that you would feel stressed in this circumstance; otherwise, you risk becoming angry or hostile. Additionally, resist the urge to capitulate or take responsibility right away. For legal counsel, contact your bike insurance
- Avoid driving your car while you’ve had too much to drink, and stay off the road if you’re impaired. Due to insurance companies adding this to their exclusion list, claims will almost certainly be rejected.
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
