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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
    • Royal Sundaram Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler is insured with Royal sundaram insurance from last 4-5 years, a premium of Rs 2000 has to be paid for this insurance policy. There was no claim experience so far with this insurance policy. I am happy with the policy coverage and plan benefits of this policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 16, 2018
    • Reliance General Two Wheeler Insurance
      "Yet to experience the claim"
      0.5 4.0/5 "Great!"
      I have not used the insurance policy so far. I never claimed anything in this policy. I have not spoke with the customer care. My friend has recommended me about the two wheeler insurance policy with Reliance. I pay the premium amount of Rs. 1500 for one year. I renew the policy through onine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a two wheeler insurance with HDFC Ergo. I got a Passion Pro and Scooty for both the vehicles, I used to renew with HDFC Ergo. The customer service is good. There is no claim experience. The policy coverage and the plan benefits are good. I pay 4,000K yearly for 2 vehicles. The policy period is one year.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Nov 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      When i purchased the vehicle, the dealer has provided the insurance with HDFC Ergo. I have not used any claim with HDFC Ergo. I have not spoke with their customer care. I pay the premium amount through credit cards. Last year i have bought this policy. Since i'm existing customer of HDFC, i have selected my two wheeler policy with HDFC Ergo.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 2018
    • Reliance General Two Wheeler Insurance
      "Good Policy to use"
      0.5 4.0/5 "Great!"
      My two wheeler insurance policy was taken from Reliance. The dealer was provided the two wheeler insurance policy when i purchased my bike. I have paid a premium amount of Rs. 7000 for two years. The policy covers all the parts of the vehicle. The documentation process was good. According to the bike condition, they have provided 100% coverage value.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on Nov 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      It is very good and I have a two wheeler insurance with Bajaj Allianz and it was recommended by the showroom person. I have a Honda Activa bike. It is a one year policy. I got the insurance papers on time. There is helpline number to reach the customer support. The premium was paid through cheque.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 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 3 years, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance policy. I am happy with the policy coverage and plan benefits of this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Claim process is taking more time"
      0.5 4.0/5 "Great!"
      I have purchased the health insurance policy with Oriental. My entire family has been covered in this policy. My organization has provided the policy and they will be managing all the policy details. I never interacted with the oriental customer care services. I had a claim experience with oriental but my company taking care of that when i submitted the documents. Its taking 20 days to get settlement. They have given me a coverage value of Rs. 5 lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Best Policy"
      0.5 4.5/5 "Excellent!"
      Using the bajaj Allianz insurnace for my two wheeler for last 2 years. I used to pay the premium of Rs. 1240. They have provided the value of the bike Rs. 38000. They have covered for 70% of the bike value. I never faced any issues with the policy. Because of the lower price, i have selected the policy with Bajaj Allianz.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a bike insurance with ICICI Lombard. Its a one year policy. I asked the service provider for an insurance and they was suggest me ICICI Lombard. I have paid 1300 rupees for a year through cash. I have claim experience, they have taken almost 18 months for the reimbursement. I am satisfied with the policy coverage and the plan benefits.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      The plan is good with Bajaj Allianz insurance company, in terms of coverage value, the insured value around Rs. 47,000 for my Honda Dream yuga bike, its just two years old. I have coverage for loss, damage, accidental. They have many service centers as well.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Nov 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good protection for two wheeler"
      0.5 5.0/5 "Blown Away!"
      The bike policy was arranged through the dealer, since it mandatory purpose I took the policy from Bajaj Allianz. I don't have any option hence I took by paying some premium. I availed comprehensive policy for my bajaj discover bike for one year tenure.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Nov 13, 2018
    • Bharti Axa Two Wheeler Insurance
      " Its convenient policy renewal"
      0.5 5.0/5 "Blown Away!"
      Its convenient to go head to chose all the options, they have option to increase the IDV, even the premium is good. I have been experience with Bharti axa two wheeler policy around five years, whenever I renew the policy I get the no claim bonus.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 13, 2018
    • National Insurance Two Wheeler Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I did not have any claim experience with National two wheeler insurance. I have not spoke with the customer care service as of now. I made a premium amount of Rs. 1400 for one year. The reason for selecting the National insurance is when i purchase a bike from dealer who provided the policy with National and i'm continuing the same. They have given a value of the bike is Rs. 55K.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 13, 2018
    • National Insurance Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      When I purchased the Honda Activa bike at that time they provided an insurance. It is a one year policy. One of my friend is working there so he will takes care of my policy. If anything goes wrong,they will recover 70% to 80% of the damage, remaining 20% from my end.I am planning to renew the policy again with National Insurance.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 13, 2018
    • National Insurance Two Wheeler Insurance
      "Good Protection for two wheeler"
      0.5 5.0/5 "Blown Away!"
      As per IRDI policy, National Insurance is following the terms, the premium is reasonable, I have taken bike policy for three years now they do have five years plan. I have comprehensive plan its always better to go with full cover its good for us.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 12, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Need improvement on service"
      0.5 3.0/5 "Satisfactory"
      I have bike insurance with ICICI Lombard, I paid Rs.8700 for three years policy. It has third party plan with personal accidental. But the guys are not responsible, when they want to sell some thing they call , during queries they wont respond.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 12, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Customer Policy"
      0.5 5.0/5 "Blown Away!"
      The customer service is good they are providing continuous follow up before expiring the policy they call and share the benefits on renewal. I have honda passion they gave me the best insured value its good. And providing good benefits on the policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 12, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      For my Dream Honda bike, ICICI Lombard gave me best insured value for the premium amount around Rs.1500 for one year. I got my policy documents on time. I have taken the comprehensive plan with first party cover, therefore I am satisfied with them.
      Was this review helpful? 0
      , nagpur
      Reviewed on Nov 12, 2018
    • Royal Sundaram Two Wheeler Insurance
      "Better coverage"
      0.5 3.0/5 "Satisfactory"
      For my Yamaha R15 bike I took policy from Royal sundaram they gave me Rs. 70,000 of idv value for tenure of three years it was good. I purchased the bike for Rs. 1.3 lakhs, now it got good IDV value with third party liability cover, personal accident cover.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 12, 2018
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