Ideally, you should have comprehensive insurance because it will cover both third-party and own damage sections as well. If you have a good insurance policy from a reputed company then you may not face a problem at the time of a two wheeler insurance claim.
This is the very crucial stage when you are in the need of your two wheeler insurance claim. It is very important that you have a good two wheeler insurance policy. In India, you can buy a third-party and comprehensive insurance policy as per your requirement but minimum third-party insurance is mandatory.
Two Wheeler Insurance Claim Process
If your two-wheeler met in an accident and your bike is damaged then don’t panic. Be cool, and calm, and have some patience because you’re small wrong move can be more problematic. In an accident, anything can happen maybe only your bike is damaged or possibly any third-party damage also.
Two wheeler insurance claim process is more or less the same as car insurance but you should take all the steps with care. Please ensure that you have all the necessary documents at the time of the incident. You should carry a valid driving license, valid insurance policy, and other documents. Normally, the following two wheeler insurance claim may arise:
- Own Damage Claim – Your bike gets damaged
- Theft Claim – Bike Stolen
- Third-Party Property Damage Claim
- Third-Party Death or Disability Claim
- Death or Disability Claim of Owner Driver
- Death or Disability Claim of Pillion Driver or Co-Passenger
- Physical Injury Claim etc
You should ensure that you have the coverage for which you are filling the claim.
Steps of the Claim Process
There are a series of steps for a two wheeler insurance claim. More or less process of the all the companies is the same. Some companies are now working very smartly and using technology very well. Some companies facilitate you to process the claim through a mobile application and or live streaming also. Generally, there are the following steps:
1- On Spot Action
After a bike accident on the road, you may face some traffic and public aggression on the spot. In this situation, you should not be so intense and panic. Try to be cool, and calm and deal with the situation with patience and care. First, check what is the damage. If there is any physical injury to you or anyone then first arrange medical ads or call the ambulance.
You should collect some details of the spot if possible. Click some pictures and or make a video of the accident spot. It can be helpful later. Collect some details of witnesses also like names and contact details. Collect the details of the third party also is involved.
2- Claim Intimation
You should inform your insurance company immediately or on time. So much delay in intimation may be the reason for the rejection of your two wheeler insurance claim. So always report the incident on time. You must have your company customer care number with you or you can check from the insurance policy or company website also.
Ensure that your company has a 24*7 customer care service. Try to save the number on your mobile so that you can easily access the requirement.
When you will call the company to report the claim then your insurer may ask you certain details of the accident like how the accident happened, damage, policy details, vehicle details, spot address, and other relevant information. You should provide all the details correctly.
3- Surveyor/Loss Evaluation
After intimating the claim, your insurer will assign a surveyor for your claim. Surveyor will do the survey of the spot and bike depending on the claim and will evaluate the loss or damage. After the loss evaluation, the surveyor will send the report to the company. One important step which you should take care that is avoided to repairing the vehicle without company permission.
Ideally, you should not move your vehicle from the spot without company consent. When the company gives you consent then you should tow the vehicle to the garage for repair. Please do not drive the accidental bike to reach the garage because it may cause some consequential loss to your bike. Insurance companies may not pay for consequential loss for two wheeler insurance claims.
4- Documentation – Two Wheeler Insurance Claim
Provide all the required documents on time to the company so that claims can be processed faster. Normally you need to provide the following documents for your own damage claim. However, it may vary in some cases.
- Claim Form
- Driving License Copy
- RC Copy
- Insurance Policy Copy
- FIR Copy if Any
- Other Documents
5- Repair and Finalization
You should always prefer for authorized garage for your two wheeler insurance claim and repair because here you will provide your cashless claim. When the insurer will give initial approval for the claim the authorized garage will start to repair the vehicle.
Depending on coverage in the policy insurer will provide the claim amount. You have to pay the compulsory deductible amount, voluntary deductible amount if any, depreciation amount, and others if any.
After the final settlement, the company will issue an asset delivery order and then you can take your bike from the workshop. Don’t forget to cancel your RC in case there is a total loss claim.
Network and Non-Network Garages
generally, there are two processes of claim settlement for two wheeler insurance claims. One is cashless and another is the reimbursement process. Insurance companies have their tie-ups with some garages to process the claim cashless and faster. The list of garages that have tie-ups with the insurance companies is called Network garages and those garages that don’t have tie-ups called Non-network garages.
If you repair your vehicle at the authorized workshop then your claim will be processed on a cashless basis. But if you repair the vehicle on an unauthorized workshop then first you need to pay the full amount to them. Later you can process your claim on a reimbursement basis from your company.
Do and Don’ts – Two Wheeler Insurance Claim
These are some do and don’ts that you should follow:
|Intimate your two wheeler insurance claim on time||Don’t react to panic at the time of the accident. be cool and calm. It will help you to deal with the situation.|
|Repair your vehicle after company consent only||Avoid preparing your vehicle without company consent.|
|Do FIR if necessary||Don’t try to temper any fact.|
|Provide correct details of the incident||Avoid drunk and driving.|
|Follow traffic rules, Always carry all the required documents while driving like Driving License, Insurance Policy, RC, and other related documents||Don’t drive your vehicle in a damaged condition – it may increase your vehicle damage. Insurance companies do not pay for consequential loss.|
Does FIR must?
Normally, for very small damage, FIR is not necessary for two wheeler insurance claim. If there is any physical injury, death or disability, or big damage/significant damage then you should do FIR. If you are confused at the time of the accident should you do FIR or not? Simply call your insurance company and ask them what to do. The company will better guide you in this regard and later there will not be any stress. Whether you have purchased your policy from SBI General, Universal Sompo, or any other company, you should read the terms and conditions of your policy.
Why Two Wheeler Insurance Claim Rejection?
Sometimes you may have noticed that two wheeler insurance claim gets rejected. If damages are covered and you are following company terms & conditions then the insurer will pay the payable claim. The company may not pay a claim if the driver was influenced by alcohol or drugs at the time of the accident.
The company may also not pay a two wheeler insurance claim for consequential loss, and normal wear & tear. Please check the exclusion list from your insurance policy. Thirds party claims will have some different processes. In the case of a third-party claim, the amount is finalized by MACT (Motor Accident Claims Tribunal).