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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

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 2 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1200 has to be paid for this insurance policy and i have no claim experience so far.
      Was this review helpful? 2
      , mumbai
      Reviewed on Sep 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with Bajaj Allianz from last 3 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1600 has to be paid for this insurance policy and i have not claimed anything so far with this two wheeler insurance.
      Was this review helpful? 2
      , bangalore
      Reviewed on Sep 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with Bajaj Allianz from last 1 year, i pay a insurance premium of Rs 1400 for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 12, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I am having a two wheeler insurance policy with HDFC ERGO from last 5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a insurance premium of Rs 1100 for this policy.
      Was this review helpful? 1
      , rajahmundry
      Reviewed on Sep 12, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I had a two wheeler insurance with ICICI lonbard for quite long time. I am happy with the coverage value of this insurance policy. I am not aware of the premium amount of this insurance policy. I have claimed 3-4 times and all my claim experience was good.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Sep 12, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My bike is insured with the HDFc Ergo general insurance. The premium is low and I do not have any claim experience with the policy so far. So far there hasn't been any issues with their services. I'll have to wait and see how they respond to my requests in future.
      Was this review helpful? 2
      , bangalore
      Reviewed on Sep 11, 2018
    • L and T Two Wheeler Insurance
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I had taken this insurance policy long time back and i had been making the payments of premium annually. Their customer support also had been good as well and i had also taken a claim which was a good experience. There has not been any hassle faced so far.
      Was this review helpful? 3
      , coimbatore
      Reviewed on Sep 07, 2018
    • New India Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my two wheeler insured with New India Assurance from last 2-3 years, i am happy with the coverage value of this insurance policy. My claim experience was good with this insurance policy. A premium of Rs 2500 has to be paid for this insurance policy. I am satisfied with the policy coverage and plan benefits of this policy.
      Was this review helpful? 5
      , chennai
      Reviewed on Sep 05, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My bike is insured with the HDFC Ergo. I do not have any claim experience with the policy. The premium is really less. So far there hasn't been any issues with their services. I'll have to wait and see how they respond to my request in future if I'll have any
      Was this review helpful? 2
      , chandigarh
      Reviewed on Sep 04, 2018
    • National Insurance Two Wheeler Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this two wheeler insurance a long time back. The premium amount which i had to pay every year had been nominal and i had been making the payments online. Their customer support also had been good as well. I had not made any claims so far.
      Was this review helpful? 2
      , coimbatore
      Reviewed on Sep 04, 2018
    • Tata AIG Two Wheeler Insurance
      "Average policy "
      0.5 3.0/5 "Satisfactory"
      I have take a two wheeler insurance from Tata AIG insurance . This policy covers for 1 year . It covers bumper to bumper coverage ,cashless garage benefits . Am satisfied with premium amount which am making the payment. I'm satisfied with the customer care.
      Was this review helpful? 3
      , chennai
      Reviewed on Sep 04, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Normal Service"
      0.5 3.0/5 "Satisfactory"
      My Bike is insured with the ICICI Lombard General Insurance. I am paying a premium 12000, it only covers the metal parts. I do not have any claim experience with the policy so far. There hasn't been any issues with the services as well.
      Was this review helpful? 1
      , guntur
      Reviewed on Aug 31, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with ICICI lombard from last 10 years and it is a good policy to use. The premium amount for this insurance policy is nominal when compared to other policies. I have no claim experience with this insurance and the coverage value is good.
      Was this review helpful? 8
      , pune
      Reviewed on Aug 30, 2018
    • Tata AIG Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Premium for this insurance is normal, they took the processing time was less, i have been making payment for this premium for past few years, they have given me the good benefits in this premium, i feel it will give good benefits will be given in future, over all it a good insurance.
      Was this review helpful? 4
      , hyderabad
      Reviewed on Aug 29, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with ICICI LOMBARD from last 3-4 years, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount for this insurance. I have no claim experience so far with this insurance policy.
      Was this review helpful? 5
      , bangalore
      Reviewed on Aug 29, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insurance with ICICI Lombard from last 3 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1200-1500 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 5
      , kolkata
      Reviewed on Aug 29, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service so far"
      0.5 5.0/5 "Blown Away!"
      My bike is insured with the HDFC Ergo general Insurance. I am paying a premium of 3000 Per year, It covers the entire bike. I do not have any claim expereince with the policy so far. So far there hasn't been any issues with their services.
      Was this review helpful? 5
      , chennai
      Reviewed on Aug 29, 2018
    • National Insurance Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with national insurance from last 3 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 1500 has to be paid for this insurance policy.
      Was this review helpful? 3
      , coimbatore
      Reviewed on Aug 29, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with ICICI lombard from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 1700 has to be paid for this insurance policy.
      Was this review helpful? 2
      , new delhi
      Reviewed on Aug 29, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with New India Assurance from last 5 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 1100 for this insurance policy and i have no claim experience so far with this two wheeler insurance.
      Was this review helpful? 3
      , erode
      Reviewed on Aug 28, 2018
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