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How to Claim Two Wheeler Insurance After Accident

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When you are involved in a motorcycle accident, after the initial feeling of anxiety and confusion settles, you will have to focus on the next steps to be taken. In line with this, it is important to stay composed and contact your insurance agent at the earliest.

Listed below are the details of steps to be taken when you are involved in a mishap on the roads:

At the scene of the Accident

After a two-wheeler accident, look to turn on the hazard warning lights and alert the traffic of the accident. You should also inform the police of the mishap.

  • If anyone is injured in the accident, you should call an ambulance for medical assistance.
  • You should also ensure that you do not make any statements on admission of fault to the police, witnesses, the other affected party, or insurance adjusters. Irrespective of whether the accident was caused by you or not, you should not be taking ownership for the mishap.
  • Make a note of the names and contact details of the other party and witnesses.
  • Get a clear idea of how the accident took place. If possible, take photographs of the accident scene and note down any other information that seems relevant to you.

Contacting your Insurer

After the accident, without too much of delay, you should contact your insurance provider and inform them about the mishap.

  • You should provide as much information as possible to the insurer, including the police incident number. You should also provide the insurance details of the other affected party, and the names and contact details of the witnesses.
  • You should ensure that you do not admit any fault, as this could prove to be detrimental in the claim settlement process.
  • If you intend to make a claim, your insurance company may ask an assessor to identify the extent of damage and the associated costs. You could take the bike to an authorised garage for the assessment. In case you choose to get the repair work done at a garage of your choice, you may have difficulty in getting a reimbursement for the entire amount.

Fault Assessment

If the other driver was completely responsible for the accident, your insurance provider may work directly with his/her insurer for the damage expenses.

  • If the damages incurred by your vehicle exceed the limits mentioned in the policy, then your insurer may offer you an amount for the vehicle, less any deductibles. If you are unable to agree on a figure as write-off, you should consider consulting a lawyer.
  • It is a good practise to carefully review the accident report generated by your insurer, and their fault assessment documents. This information is usually available online, or can be procured upon request. In case you feel that your insurance company is assigning you the fault of the mishap improperly, you can raise an objection with the insurer and request for a re-assessment. If the insurance provider refuses to honour this, you may contact a lawyer.

Property Damage

Insurance companies generally have a network of authorised garages where the repair work after accidents will be done in a reliable and cost-effective manner. You can choose to get your vehicle repaired at such a garage, and avail the benefits of claim settlement without having to bear the cost of the repairs upfront.

  • Network garages also have close ties with the insurer, and you will be free from the hassles of claim settlement when you get the repair work done there. You will be required to only bear the cost of excesses and depreciation on the vehicle.
  • You may also be provided a replacement bike by the insurer in the interim.
  • If you are involved in an accident with an uninsured vehicle, you can raise a claim from your insurer in case you have comprehensive coverage. But you should note that you will lose the NCB benefit on your policy in the claim process.

Physical Injuries

In the event of an accident, if you have suffered injuries, you can avail the reimbursement of your hospitalisation bills. This is included as part of the coverage of a comprehensive two-wheeler insurance policy. If the injury is significant, you may be liable to additional entitlements such as compensation for permanent disability, damages for suffering, etc.

Settlement Agreement with Third-Party

You should ensure that you do not get into any agreements with the party affected by the accident.

  • By settling the matter for cash or getting into an agreement, you could be forfeiting any future claims against that individual.
  • Your policy may even be voided if you make undisclosed deals in association with accidents.
  • The safest way to deal with an accident is to report the incident to the police, inform the insurer, and wait for the completion of their investigation. In case of any disputes, you may consult a lawyer.

In summary, it is advisable to be covered by a comprehensive two-wheeler insurance policy, so that you can avail maximum protection for your vehicle. You should also read through your policy documents in an elaborate manner so that you are aware of the inclusions and exclusions, and would be better prepared in the unforeseen event of an accident.

Two-Wheeler Insurance Claim after an Accident Reviews

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  • Bajaj Allianz Two Wheeler Insurance
    "Premium should be economical for the renewal"
    0.5 4.0/5 "Great!"
    Whenever there is a issue, I can reimburse with Bajaj Allianz its good than other company. One time I claimed, they gave me cash less service the premium is lesser than others then I changed it. The renewal option is good but they show more premium when I go for renewal.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy almost four years back and i am paying the premium annually. The premium amount has not been high and the payment method has been simple. There has not been any claims made so far and the services which they had offered so far was good.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good for two wheeler"
    0.5 4.0/5 "Great!"
    My policy belongs to HDFC Ergo, its a premium policy for one year the insured value is fine for me Rs. 97,000, I have the KTM Duke bike its good, I took first party insurance with HDFC Ergo, I really not interacted with them for any policy queries.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • Bharti Axa Two Wheeler Insurance
    "IDV percentage should be increased"
    0.5 4.0/5 "Great!"
    The insured value is low in Bharti axa, I Purchased Royal Enfield bike for Rs. 1.75 but they gave me only Rs. 1.20 lakh . My policy has the tenure of two years, I am not sure about the tie up services. I have taken the first party insurance. I purchased in the month of october 2017.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 14, 2019
  • National Insurance Two Wheeler Insurance
    "Better"
    0.5 4.0/5 "Great!"
    I had my two wheeler insurance from National Insurance and it was a better experience. This insurance was issued by the showroom as a default. There is no claim. I felt the premium is bit higher so moved to HDFC Ergo. The customer service is better.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    My two wheeler insurance was taken from HDFC Ergo because it has more benefits and the premium is lower compared to others. It is a first party insurance. The customer service is very good. There was no claim and IDV value is good. I got the insurance paper.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance for my bike a long time back and it had been a good policy. I had been paying the premium on an annual basis and the premium amount was not too high as well. The payment method has been simple and there has not been any hassle. There has not been any claims made so far and there has not been any hassle faced with the services of them.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 13, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good features"
    0.5 4.0/5 "Great!"
    I have my two wheeler insurance with ICICI Lombard. The services are good and there no hassles to get the policy. The premium is also nominal. The policy coverage and benefits are satisfactory. I also received the policy papers on time. Good in all.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 12, 2019
  • United India Two Wheeler Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    This policy was recently renewed for my bike, my brother went to the showroom and then he renewed the policy, the premium is economical as per the market. They are issuing the policy with the good coverage of bike. Its a trusted insurance company and I got the paper on time.
    Was this review helpful? 4
    , kolkata
    Reviewed on Jan 11, 2019
  • Reliance General Two Wheeler Insurance
    "Should get tie up with more service centers"
    0.5 3.5/5 "Pretty good"
    Even for my Bajaj discover bike I had Reliance general insurance it has the tenure of one year, they gave me good insured value around Rs. 19,000, it covers for the loss, damage. They need to get tie up with chennai to get the hassle free service.
    Was this review helpful? 2
    , chennai
    Reviewed on Jan 10, 2019
  • Reliance General Two Wheeler Insurance
    "Easy Renewal"
    0.5 3.5/5 "Pretty good"
    Based on my experience Reliance insurance company is good, the premium is standard as per the current market. I have Honda it covers for loss, damage cover. There is no claim experience, I used to visit to the branch for the renewal they provide good service.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 10, 2019
  • Iffco Tokio Two Wheeler Insurance
    "Quick Service "
    0.5 4.0/5 "Great!"
    I have bike policy with IFFCO TOKIYO, it was my friend bike later on it got transfered to my name with Iffco Tokiyo two wheeler policy, the insured value is good it has coverage for the loss and damage. On time they processed the policy on my name. I am happy about it.
    Was this review helpful? 2
    , mumbai
    Reviewed on Jan 10, 2019
  • New India Two Wheeler Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    In New India, I have insured my Hero CT delux bike, once a while it got damaged they done the service on time, the premium is low however the insured value is good. It has third party insurance, the service is good and I could renew the policy on time.
    Was this review helpful? 0
    , ambala
    Reviewed on Jan 10, 2019
  • National Insurance Two Wheeler Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In National Insurance the premium amount is low around Rs. 2000 for one year, the insurance company allocated Rs. 35,000 for my bike. My Honda dio vehicle is around 6 years, the policy activation done on time. My bike got damaged within 10 days.
    Was this review helpful? 3
    , ambala
    Reviewed on Jan 10, 2019
  • New India Two Wheeler Insurance
    "Average Two Wheeler insurance"
    0.5 3.0/5 "Satisfactory"
    My two wheeler insurance was taken from New India for my new bike. The showroom people has done a insurance when i purchased my two wheeler. I paid the premium amount of Rs. 1600. The documentation process was simple. They have given the IDV value of Rs. 55000 which I'm happy about.
    Was this review helpful? 3
    , mangalore
    Reviewed on Jan 09, 2019
  • Shriram Two Wheeler Insurance
    "Better"
    0.5 4.0/5 "Great!"
    My two wheeler insurance was taken from Shriram because my friend is working there. The renewal procedure was easy and he done it for me. The premium is 1200 rupees for one year. I have no claim and never contacted the customer service. The premium was moderate and benefits are average.
    Was this review helpful? 1
    , vellore
    Reviewed on Jan 09, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Good online option for renewal"
    0.5 4.0/5 "Great!"
    Reason to prefer Bajaj Allianz, I don't want to visit to the showroom for the renewal. I can renew the policy through online and I compared the benefits through online. On time the customer support team issued the paper. I have activa they gave me good insured value based on the vehicle age.
    Was this review helpful? 0
    , thrissur
    Reviewed on Jan 09, 2019
  • HDFC Ergo Two Wheeler Insurance
    "No experience with this policy"
    0.5 4.0/5 "Great!"
    3 months ago, i have purchased the new vehicle and the dealer has suggested me to take a insurance policy with HDFC Ergo. The dealer has taken care of all the procedure of this policy. I've no idea about the premium amount. This policy covers the 100% of the vehicle.
    Was this review helpful? 1
    , tiruchirapalli
    Reviewed on Jan 09, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good coverage for rider and thrid party"
    0.5 4.0/5 "Great!"
    Normally the insurer provide the cover for rider but this ICICI lombard is providing coverage rider and third party, the premium is also economical. They gave me the good coverage based on the vehicle age, my policy has the tenure of two years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 09, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    Last time I took the two wheeler insurance from Bajaj Allianz. I took the premium around 1500 for one year. They gave me the policy paper, I have bike yamaha bike and also the insurance company got tie up with many service center for any claim.
    Was this review helpful? 0
    , cuddalore
    Reviewed on Jan 09, 2019
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