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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:

    Accident Time Contacting your Insurer Fault Assessment Property Damage Physical Injuries

    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
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance policy with HDFC ERGO from last 3 months, 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 2100 has to be paid for this insurance policy.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I did the insurance and keeping the paper. I'm not aware of the plans and benefits the policy. I have purchased this insurance nearly 1 year before. I made the premium amount of Rs. 1600 and i used to make the payment through cash. I never experienced of the claiming process in ICICI hence i did not speak with the customer care service also.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 19, 2018
    • Bharti Axa Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my two wheeler insured with Bharti Axa from last 11 years, i am happy with the coverage an plan benefits of this insurance policy. A premium of Rs 1100 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 2
      , chennai
      Reviewed on Jul 18, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a two wheeler insurance with Bharti Axa from last 7-8 months, i am happy with the coverage and plan benefits of this insurance policy. I have not claimed anything so far from this insurance policy. I have to pay a premium of Rs 1400 for this insurance policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 18, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Bike Insurance policy with the Oriental Insurance Company. I am paying a premium of 2000, the policy covers the entire bike. I do not have any claim experience with the policy either. So far it has been a good experience with their services.
      Was this review helpful? 3
      , bangalore
      Reviewed on Jul 17, 2018
    • National Insurance Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with National Insurance from last 15 years, it is a family health policy with the coverage value of Rs 3 lakhs. I have not claimed anything so far from this insurance policy. I am not aware of the premium amount as the company pays it.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jul 17, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 7 years, i am happy with the coverage value of this insurance policy. A premium of Rs 800 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 17, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a bike insurance policy with the Bajaj Allianz. I am paying a premium 1200 per year. The policy covers the entire bike. I never had any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in future.
      Was this review helpful? 2
      , kolkata
      Reviewed on Jul 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 6 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 1200 for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler insurance is with Bajaj Allianz from last 9 months, i am happy with the coverage value of this insurance policy. A premium of Rs 3000 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jul 13, 2018
    • Reliance General Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured the Reliance General insurance. I have paid a premium of 4000 for three years, I do not have any claim experience and the policy covers the entire bike. So far it has been a hassle free experience with the policy and I'll have to wait and evaluate their services in future.
      Was this review helpful? 3
      , kochi
      Reviewed on Jul 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I was using the Bajaj Allianz bike insurance policy initially. The policy was very good, It was approaching maturity and I changed to a different provider. I do have a claim experience with the policy. The claim process was seamless and hassle free. It is a recommendable bike insurance provider.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 12, 2018
    • Reliance General Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My bike is insured with the Reliance general Insurance. I am paying a premium of 1500 year, the policy covers only metal parts. I do not have any claim experience with the policy and so far it has been a smooth experience. I'll have to wait and see about their approach in case if I will have any claims in future.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 12, 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 1.5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I am not aware of the premium amount but i am satisfied with the plan benefits of this policy.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 11, 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 8-9 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 premium of Rs 1200 for this insurance policy.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 10, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured with the ICICI Lombard General Insurance. I pay a premium of 1600 annually. The the policy covers entire bike. I do not have any claim experience with this policy either. So far it has been a smooth experience with their services.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 10, 2018
    • New India Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured with the New India Insurance company. I pay a premium of 1200 per year, I do not have any claim experience so far and The policy covers the entire bike. I make payments online. Overall it has been a good experience so far.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 10, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Average Policy"
      0.5 1.0/5 "Really Bad"
      I have taken two wheeler insurance from Icici Lombard general insurance . Am satisfied with the premium amount what am paying . I made the payment through on-line for one year. Its an average policy wont be recommending . Their customer service and response is not up to the mark.
      Was this review helpful? 1
      , greater noida
      Reviewed on Jul 10, 2018
    • United India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with United India Insurance from last 7 years, i pay a premium of approx Rs 800 for this insurance policy and it has to be renewed every year. I have no claim experience so far from this insurance policy and i am happy with the coverage value.
      Was this review helpful? 2
      , guwahati
      Reviewed on Jul 09, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "The Service needs Improvements"
      0.5 2.5/5 "Just OK"
      I've a bike insurance policy with the Bajaj Allianz for which I pay a premium of 1600 per year. I got accident, no service was provided. I am not at all happy with their services. Overall they need to be more customer oriented and provide proper assistance to their customers.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 06, 2018
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