Mistakes to Avoid When Making Third-Party Two-Wheeler Insurance Claims

1. At the accident spot, try to capture pictures of the damage, injuries suffered, and the third-party. Photographic evidence will come in handy when you need to recheck for details in the future. You should also attempt to note down the names and phone numbers of witnesses and the third-party. Also collect all necessary information about the third-party's insurance coverage.
2. Always furnish accurate information to your insurer. Never try to fabricate information for the purpose of claim approval. It should be noted that failing to reveal the truth about the incident may result in the rejection of your claim and even the invalidation of your policy.
3. You should register a case with the tribunal court for motor accident claims that has jurisdiction over the location where the accident occurred. You can also file the case in the tribunal court with jurisdiction over the location of the third-party's or your residence. It should be noted that civil courts do not decide on third-party two-wheeler insurance claims.
4. You should always keep notes of the conversations that you have with your insurer regarding the claim. This will prove to be very useful in the future.
5. Maintain a file with all the documents, receipts, bills, etc. that are relevant to the claim.

Common Mistakes that Should be Avoided

There are certain mistakes that you should avoid at all costs while claiming third-party insurance for two-wheelers. These have been detailed below:

1. You should not run away from the accident spot. All vehicles at the location should stay as is, till an inspector surveys them. You should also look to arrange medical assistance if someone is injured.
2. You must ensure that you contact the police and get an FIR filed. Failing to do so may jeopardise the validity of your claim. Also, avoid getting into settlements with the third-party without the involvement of the police, as it would result in an illegal turn of events.

1. Do not be submissive and accept responsibility for the accident. Also, do not get too stressed, angry, or aggressive.
2. You should avoid riding your two-wheeler after having alcohol or other intoxicants. Also, refrain from illegal driving and renting out your private vehicle for commercial purposes. These factors could work against you in the event of a claim.
3. While filing a claim, ensure that you have furnished all accurate information in a comprehensive manner. You should also look to submit the claim on time, as delays in the process may be detrimental to you.
4. You should refrain from signing any release to the insurer until you have been advised by a lawyer. However, you can accept the insurer's offer if you believe that the estimates provided by them are accurate.

Conclusion

Although legally possible, insurance companies receive very few cases claiming for third-party compensation. As indicated above, this is primarily due to the complex procedures involved in filing the claim and its settlement. The entire process also has a long turnaround time that could make the settlement look daunting. However, if you decide to raise a , you should ensure that you follow the steps above to benefit from it in the best possible manner.